Serving our Financial Services Clients and Additional Markets.
DCMS is proud to serve our financial services clients, including banks, private lending, credit unions, retail, and telecom.
DCM Services offers a flexible and comprehensive set of solutions unmatched in the industry.
We partner with 16 of the world's top 20 financial services organizations and proudly serve additional markets, including telecom, retail, and credit unions.
Our exclusive focus on estate and specialty accounts, combined with our tradition of innovation, has driven the development of solutions that meet and exceed the unique needs and recovery philosophies of any organization.
As a valued partner, we will:
Continually stay ahead of technology trends to ensure we utilize and create the most current platforms and programs.
Develop compliant and streamlined strategies for estate and specialty portfolios that create new or increased revenue streams.
Employ a compassionate and empathetic approach to recoveries to preserve community relationships and brand integrity.
Dedicate a committed team of estate and specialty account professionals who value every client we serve.
“They [DCMS] meet our expectation in terms of exceptional customer service. Our expectation is so high that either you meet it or you don’t. Financial performance is a meet as well. I think from the innovation standpoint they certainly exceed our expectations”
Decedent Credit Card Account Resolution
When a cardholder passes, there is a limited amount of time you can recover debts accrued by their estate. Every day without action, whether you know about their passing, is potential revenue walking out the door. What’s more, deceased accounts expose credit card issuers and fintechs to compliance risks, operational drag, and costly write-offs that quietly erode portfolio performance.
DCM Services eliminates that exposure.
As the nation's #1 deceased account resolution specialist with 25+ years in financial services, we recover what others write off and do so compliantly, compassionately, and at scale. From date-of-death verification that stops unnecessary charges before they compound, to full-service estate identification and executor engagement through our Signature Service™, we handle the complexity so your team doesn't have to. The result: more recovered revenue, cleaner portfolios, and the confidence that every deceased account is being resolved the right way.
Credit Union Decedent Accounts
Credit union members are typically older than bank customers, putting them at higher risk. When a member passes, those estate accounts shouldn't quietly drain value from your portfolio. DCM Services helps credit unions identify and recover funds from deceased member accounts, turning an overlooked liability into a meaningful revenue recovery.
From data matching and estate identification to claim filing and compliance expertise with probate courts nationwide, we handle the complexities surrounding decedent accounts, so your team doesn't have to. The result is more recovered for your institution, less burden on your staff, and a process that reflects the attention and care your members deserve.
Mortgage Estate Recovery
When a borrower passes away, opportunity doesn't wait and neither should you. Whether you hold a first mortgage or a junior lien like a second mortgage or HELOC, our Probate Finder OnDemand® platform gives you direct access to 10.2M+ proprietary probate records with nationwide court coverage, so you can identify estates, locate the right parties, and file claims before the window closes. Miss it, and that balance is gone for good.
For first mortgage holders, probate records surface heirs and successors before delinquency hits, keeping you ahead of Regulation X and SII compliance requirements. For second mortgage and HELOC portfolios, when the first lien takes priority and equity can't cover both, your position becomes functionally unsecured, and a timely probate claim is often the only path to recovery. DCMS brings it all together in one platform: automated workflows, VERIF-id™ scrubs, and advanced analytics that make it easier to protect your portfolio, stay compliant, and recover what would otherwise be written off.