Accurate suppression
Remove decedent accounts from dialer and mail campaigns before the first attempt goes out.
Collections & Recovery
Suppress deceased debtors before the first contact attempt
Contacting the family of a deceased debtor is a compliance incident, a complaint risk and a waste of contact spend. Accurate deceased suppression solves all three at once.
On intakePlacement screeningScreen every new placement file before work begins.
7 DaysRecord availabilityCatches deaths that occurred after placement.
BulkInventory re-screeningRecurring sweeps across the full active inventory.
The exposure
What goes wrong without current deceased data
Every one of these failures traces back to the same root cause: the death happened weeks before the data you screen against reflected it.
- Collection attempts directed at recently deceased consumers
- Complaints and regulatory exposure from contacting bereaved families
- Dialer, mail and letter spend wasted on unreachable accounts
- Estate and probate handling delayed because the death was never detected
The outcome
What changes for debt collection & recovery
Lower compliance risk
Fewer complaints arising from contact attempts directed at grieving families.
Better contact economics
Redirect dialer minutes and postage away from accounts that can never be worked.
Faster estate routing
Detect the death early and move the account into the correct estate workflow immediately.
Where it fits in a collections operation
Agencies screen each new placement file on receipt and re-screen the active inventory on a recurring schedule. Matched accounts are pulled out of dialing and mailing campaigns automatically and routed into the estate or probate workflow, which both reduces complaint volume and gets legitimate estate recovery moving sooner.
The flow
From identity to decision
STEP 01
Send the identity
Post the name, date of birth and any combination of SSN or last known address to our verification endpoint, or upload a batch file through the dashboard.
STEP 02
We match against the live index
The identity is scored against our continuously refreshed nationwide deceased index, built from source records rather than downstream aggregators.
STEP 03
Get a decision-ready verdict
You receive a clear deceased / not-found verdict, a confidence score, the date of death where available and a reference ID you can store for audit.
STEP 04
Act before the loss
Block the application, freeze the account, pause the benefit payment or route to manual review, all before funds move and while recovery is still possible.
FAQ
Debt Collection & Recovery questions, answered
Frequently asked questions
When should we screen: at placement or continuously?
Both. Screening each placement file on receipt removes accounts where the consumer had already died, and recurring sweeps of active inventory catch deaths that occur after placement. The second is where most complaint risk actually originates.
Does this replace the deceased flags we get from the credit bureaus?
It complements them and closes their timing gap. Bureau deceased indicators depend on downstream reporting and commonly lag the death by months. Our records typically appear within a week, so the highest-risk period immediately after death is covered.
How does this reduce contact spend?
Every dialer minute, letter and text directed at a deceased consumer is unrecoverable spend with negative compliance value. Suppressing those accounts up front redirects the same budget toward accounts that can actually be resolved.
Can matched accounts route straight into an estate workflow?
Yes. The response includes the date of death where available, so your platform can automatically move the account into estate or probate handling and start the correct process rather than leaving it in a standard collection queue.
Other sectors
Death verification in adjacent industries
Banks & Credit UnionsCatch decedent account fraud before the funds moveLenders & Credit IssuersDecline decedent applications at the point of decisionInsurance CarriersValidate every claim against a current death indexGovernment & Public AgenciesStop improper payments before the next disbursementPension & Retirement FundsDetect deceased annuitants before the next payment runEmployers & HR ScreeningCatch stolen identities at onboarding, not at audit
Close the gap for your collections workflow
Share your use case and expected volume and we will issue sandbox credentials so your team can build and certify the integration before contracting.
