DCMS Discovers Millions in Estate Recovery Opportunities for Health System Client

Many hospitals and health systems are unknowingly hemorrhaging large amounts of potential revenue through reactive decedent account processes, and the numbers we see can be staggering. The good news is that proactive, automated approaches such as the customized solutions created by DCM Services can be a real gamechanger for your revenue stream.

Our video below showcases one health system client who increased their annual collections from $130,000 to $2.4 million with the help of DCM Services. Throughout the ongoing 8-year partnership, they’ve recovered over $19.1 million without adding new staff or expensive technology!

At DCM Services, we believe successful estate recovery begins with survivor sensitivity. Every interaction is guided by compassion, respect, and compliance, recognizing that behind every account is a family navigating the loss of a loved one. Our personalized approach helps organizations recover revenue responsibly while supporting families throughout the probate process.

Ready to recover revenue the right way? Contact us today to learn how DCM Services can close the recovery gap for your organization.

Mortgage Lenders are Leaving Estate Recovery Revenue on the Table

When a borrower passes away, the clock starts immediately. Probate windows are finite, estates move through the court system on their own timeline, and if you're not already in position when that happens, your options shrink fast. For second mortgage and HELOC portfolios especially, a probate claim isn't just one option among many. It's the only option. Miss the filing window and that balance gets written off with no path to recovery.

The good news is most of these losses are preventable.

Probate Data is Key in Consistent Recovery

First mortgage holders often underestimate how much probate data matters beyond the lien itself. Knowing when a borrower passes before delinquency hits gives you time to identify heirs, locate successors in interest, and stay ahead of your Regulation X and SII compliance obligations. The lien protects your priority position, but probate records are what connect you to the people you actually need to work with to reach resolution.

For junior lien holders, the math is straightforward. When the first lien takes priority and available equity can't cover both positions, your lien is functionally unsecured. Estate assets become your only recovery path, and the only way to access those assets is through a properly filed probate claim. The filing cost is minimal relative to what's at risk, and lenders who already work with DCMS on first mortgage accounts can extend that same infrastructure to junior liens without rebuilding anything from scratch.

Being Proactive is the Winning Strategy

Proactive probate strategy isn't a niche capability anymore. With access to 10.2M+ probate records, nationwide court coverage, and automated workflows that match deceased accounts to open estates, the tools exist to make this a standard part of how your team manages these portfolios. The lenders who treat probate as an afterthought are the ones absorbing charge-offs on losses that were entirely preventable.

If deceased borrower accounts are sitting in a queue waiting for someone to figure out next steps, Contact Us to learn how these funds can be recovered quickly, compliantly, and with compassion toward the estate executors.

How to Turn Decedent Estates into Recovered Revenue with DCM Services

At DCM Services, our experience shows health systems are facing rising decedent accounts with no scalable way to manage them. 1–2 FTEs handle work requiring specialized legal expertise. Accounts age into write-offs with no estate search. Compliance exposure spans CMS cost reports, HIPAA, FDCPA, and charity care. Your health system can avoid these challenges altogether while recovering revenue that would otherwise be lost by partnering with us.

The DCM Services Approach

Proactive Identification
Proprietary data matching across national probate court records, including decedents who passed outside the facility.

Timely Claim Filing
Claims filed within critical 90–120 day probate windows to maximize recovery.

Full Compliance
Documentation for CMS cost reports and regulatory audits. State-specific processes included.

Compassionate Communication
Warm handoff letters and trained specialists. No accounts routed through traditional collections.

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Hear Testimonies from Real Clients from Three Leading Health Systems

During a recent Becker’s webinar, representatives from Prisma, Mercy, and John Hopkins Health Systems shared why they partner with DCM Services. We’ve included Q&A snippets, or you can watch the full webinar by clicking the button below.

Q: Why should health systems choose a specialized partner for decedent estates?

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Q: How does DCM Services help ensure that patient experience remains the focus of your health system?

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Q: If you could go back and tell yourself one thing before you started a partnership with DCM Services, what would it be?

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Want To Explore How a Partnership with DCM Services Can Save Your Health System From Headaches and Lost Revenue?

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