Discover credit cards and other debts after a death
Find every credit card, loan, and mortgage after a death, so nothing surprises you later.
Identify credit cards, loans, mortgages, and more
We'll find it all for you
We work with all three major credit bureaus to identify credit cards, loans, mortgages, and other liabilities tied to the deceased, giving you a complete financial view.
We'll pull full credit reports from each bureau and compile a single liability report. Because we pull data directly from the credit bureaus, search results are instant.
You can decide what's next
While most obligations are paid from the deceased’s assets, some debts, such as joint credit cards, co-signed loans, or state-specific community property debts, may still affect a surviving spouse or co-borrower. We highlight any shared debts so that spouses and families have a clear picture.
You can use Sunset's closure tool to easily notify creditors over email, fax, phone and more. Most creditors are cooperative once they receive notice of a death, and many will waive or write off remaining balances when proper documentation is provided.
$50 Billion
consumer debt written off annually
96%
of Sunset users find open lines of credit
100%
validated directly from credit bureaus
Get a clear picture of outstanding debts
Credit Cards
We instantly find and report open credit cards and balances, so you can decide how and when to notify creditors. We'll also list all closed credit cards so you can make sure everything is covered.
Personal Loans
We quickly search for personal loans — open, closed, or written off — and report the balances so you can plan repayment or settlement with confidence.
Sunset does not notify creditors or close accounts on your behalf.
Auto Loans & Leases
We locate vehicle loans and leases, and always include the current balance due and status. You’ll have a clear picture for paying off, transferring, or returning the vehicle.
Mortgages & HELOCs
We confirm mortgage and home equity line balances. This is very important to make sure a mortgage continues to be kept current while you decide to sell, transfer, or refinance the property.
“Sunset gave me a full list of my dad’s credit cards and loans instantly. I knew in minutes which bills still needed to be paid which was a huge relief.”
Student Loans
Some student loans qualify for a discharge after a death, we’ll get you instant info on the status, creditor and balance of a student loan. For private student loans, you’ll be able to quickly contact creditors to notify them and work to hopefully discharge.
Business Loans
We identify outstanding and even closed business loans, from SBA-backed financing to equipment leases, so you can decide how to resolve them. We can often include contact info for the creditor.
Medical Debt
We collect a complete list of hospital and provider bills, even those sent to collections or charged-off, so you can pay them in the correct order and avoid surprises.
Stress Free
“Thanks to Sunset, settling my grandpa's estate was a breeze. It made everything so clear and simple, and I didn't have to spend a fortune on legal fees.”
Easy Process
“Thanks to Sunset, settling my grandpa's estate was a breeze. It made everything so clear and simple, and I didn't have to spend a fortune on legal fees.”
Surprising Finds
“Thanks to Sunset, settling my grandpa's estate was a breeze. It made everything so clear and simple, and I didn't have to spend a fortune on legal fees.”
Felt Cared For
“Thanks to Sunset, settling my grandpa's estate was a breeze. It made everything so clear and simple, and I didn't have to spend a fortune on legal fees.”
Made It Doable
“Thanks to Sunset, settling my grandpa's estate was a breeze. It made everything so clear and simple, and I didn't have to spend a fortune on legal fees.”
Less Scary
“Thanks to Sunset, settling my grandpa's estate was a breeze. It made everything so clear and simple, and I didn't have to spend a fortune on legal fees.”
Clear Next Steps
“Thanks to Sunset, settling my grandpa's estate was a breeze. It made everything so clear and simple, and I didn't have to spend a fortune on legal fees.”
Felt Protected
“Thanks to Sunset, settling my grandpa's estate was a breeze. It made everything so clear and simple, and I didn't have to spend a fortune on legal fees.”
Guided the Whole Way
“Thanks to Sunset, settling my grandpa's estate was a breeze. It made everything so clear and simple, and I didn't have to spend a fortune on legal fees.”
Peace of Mind
“Thanks to Sunset, settling my grandpa's estate was a breeze. It made everything so clear and simple, and I didn't have to spend a fortune on legal fees.”
Step by Step
“Thanks to Sunset, settling my grandpa's estate was a breeze. It made everything so clear and simple, and I didn't have to spend a fortune on legal fees.”
Lines of Credit
We confirm balances on open or closed lines of credit and provide details so you can freeze, repay, or close them before any deceased assets are distributed.
Factoring & Merchant Cash Advances
We search for agreements tied to future receivables and show the remaining obligation, making it easier to negotiate or settle with the lender.
Collections & Charge-Offs
We find and flag accounts that have gone to collections or been charged off and verify the amounts owed so you can choose whether to settle or dispute them.
Frequently asked questions
What is Sunset?
Sunset is an estate settlement platform that helps families discover and close the financial accounts, assets, and debts of a deceased loved one.
Sunset Free is designed for family members, executors, and personal representatives who are settling an estate themselves. It includes the full Sunset closure suite: financial account discovery, bank notifications, assisted phone calls and emails, estate bank account setup, probate document generation, and asset transfers all at no cost.
Sunset Pro is designed for probate attorneys, licensed fiduciaries, trustees, and aftercare specialists who settle estates on behalf of their clients. Sunset Pro starts at $500 per asset search, with monthly subscription plans available for solo practitioners, small firms, and large firms.
Both Sunset Free and Sunset Pro are available in all 50 states and U.S. territories.
Who can use Sunset?
Sunset can be used by family members, executors, administrators, and personal representatives responsible for settling a deceased person's estate.
Sunset supports asset discovery and probate across all 50 states and every U.S. county, helping you manage the estate regardless of where your loved one lived or where the estate is being settled.
How does Sunset help settle an estate?
Sunset handles the most time-consuming parts of estate settlement.
We search 2,500+ financial institutions like banks and retirement funds, the credit bureaus, and state unclaimed-property databases to find accounts and assets the family may not know about. We prepare probate documents specific to your county in all 50 states and help establish an estate bank account where recovered funds can be deposited.
Then Sunset helps close the deceased person’s accounts and move the funds into the estate account, ready for distribution to the heirs.
With Sunset, about 90% of account closures can be completed without you having to call or visit a branch.
What does it mean to settle an estate?
Settling an estate means closing out someone’s financial life after they die.
It involves identifying what they owned and owed, obtaining the legal authority to act on their behalf, paying valid debts and final taxes, and transferring what remains to the people who inherit it.
Depending on the state and the size of the estate, it can be complicated or simple, either way Sunset can help.
What is required to settle an estate?
Most estates require a core set of documents and accounts, including a certified death certificate, legal authority to act for the estate, a federal EIN, an estate bank account, and an inventory of the estate’s assets and debts.
Sunset can help with all of these except the death certificate!
Depending on the circumstances, legal authority may come in the form of letters testamentary, letters of administration, or a small-estate affidavit.
Once that authority is established, the estate can begin notifying financial institutions, paying valid debts and final taxes, and distributing the remaining assets to the heirs or beneficiaries.
Sunset prepares the paperwork required for these steps and submits what we can on your behalf.
