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How to Settle Debt With Estate Information Services

George Simons | February 01, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: If contacted by Estate Information Services about a deceased relative’s debt, stay calm. You’re not liable unless you co-signed. Negotiate or dispute the claim. Use Solo to streamline the settlement process.

If you've experienced the death of a loved one, particularly a parent, spouse, or child, then you understand how devastating that loss can be. While you're going through the grieving process, you still need to manage the necessary arrangements surrounding your loved one’s passing which adds even more stress to a difficult time.

If there are unpaid bills associated with your loved one, you may wind up being contacted by a debt collector from Estate Information Services. If you've received a call from someone at Estate Information Services recently, then you need to know how to engage with them.

In this article, we will take a look at what Estate Information Services is, what their primary debt collection business entails, and what you can do to resolve the debt collection matter.

Settle debt with Estate Information Services

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

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What Is Estate Information Services?

Estate Information Services is a debt collection agency, founded in 2000, with a principal place of business in Columbus, Ohio. Unlike many debt collection agencies, Estate Information Services appears to pride itself on being an “above board” collection agency that is accredited by the Better Business Bureau (BBB) and has been given an A+ rating by the BBB.

Call the Estate Information Services phone number to discuss your options for settling the debt. Here’s the contact information for the company:

  • Phone: 855-526-9324
  • Email: info@eismgmt.com
  • Address: 670 Morrison Road Suite 300, Gahanna, OH 43230
  • Website: https://eismgmt.com/

Who does Estate Information Services collect for?

Estate Information Services handles debt collection in several areas, including credit card debt, bank debt, auto loan debt, and education debt. Nevertheless, the primary focus of Estate Information Services is the collection of debt of those who are deceased. If you have had interaction with this company, the interaction would most likely be related to debts owed by a deceased relative.

Read Estate Information Reviews online

Curious about what others have said regarding their experience with Estate Information Services? If so, take some time to check out these online reviews:

It’s not unreasonable to say the online reviews of Estate Information Services are a mixed bag. Nevertheless, there are reviews showing that you may be able to have a positive and productive experience communicating with debt collectors affiliated with Estate Information Services. Take, for example, the online review posted by Mearaya:

“Everyone there is very understanding. They listen to everything that goes on and does the best they can to help!”

Mearaya’s review indicates that you may be able to engage with debt collectors from Estate Information Services to resolve your loved one’s debt issue. Proactive communication is important.

However, who wants to play phone tag and wait on hold to talk about a deceased loved one’s debt? If speaking to a debt collector sounds awful, then consider using SoloSettle to negotiate online and resolve your debt through our innovative digital settlement platform.

Are you liable for a deceased relative’s debts?

Generally speaking, you are not required to satisfy the debts of a deceased family member unless you co-signed for that debt. When seeking satisfaction of a debt for someone who died, debt collectors should normally only attempt to get repayment of the debt from the assets of the deceased person's estate.

In fact, with regard to calling the relative or friend of a loved one who just passed away, there are many rules – under the Federal Fair Debt Collection Practices Act (FDCPA), the Telephone Consumer Protection Act (TCPA), and Federal Trade Commission guidelines – stating that debt collectors:

  • May only communicate with the deceased person's spouse, parent, guardian, or executor of the deceased person's estate;
  • Are only allowed to contact family members to locate the executor of the deceased person's estate;
  • Are prohibited from making misleading statements in an attempt to convince a family member that they have some obligation to pay a deceased person's debts;
  • Must tell family members that they are not required to pay the debt (unless that person co-signed for the debt);
  • May not contact family members or friends at inappropriate times or inconvenient places;
  • May not use threats of a lawsuit, negative credit reporting, or arrest to collect a debt; and
  • May not use obscene language in an attempt to collect.

Accordingly, if you keep getting calls from Estate Information Services – but they have yet to file a lawsuit against you – you should be sure to keep any phone call short; you should be prepared to refer them to the executor of your loved one's estate and you should leave it at that.

How to negotiate with Estate Information Services to settle debt

As mentioned above, if you co-signed on a loan with your deceased loved one, there is the possibility you may be on the hook to pay back the debt. If you find yourself in this situation, consider reaching out to Estate Information Services to try and negotiate a debt settlement.

Before approaching Estate Information Services about a possible settlement, you need to figure out how much you can realistically pay toward the overall amount.

In making this calculation, an amount anywhere between 40% and 60% of the total debt is usually a viable settlement amount. Nevertheless, it may be possible to settle the debt for anywhere between 10% and 30%, particularly if the debt is older or if it's been sold to a debt buyer.

When you reach out to Estate Information Services, make sure your opening offer is less than below 50% of the total debt. Why? Because this will afford you some room to engage in productive negotiations. which will give you room to negotiate.

In many instances, debts can get settled for a reduced lump-sum payment or via a payment plan. Such a payment plan may involve an initial upfront payment followed by monthly installments.

If you go back and forth with Estate Information Services and are able to reach an amicable settlement amount, make sure to get the terms of the settlement in writing. Both you and the debt collector need to sign the agreement and you should pay the agreed amount in a timely manner.

If you decide to engage in settlement talks, consider using smart tools to help you with the debt settlement negotiation process, like SoloSettle, which is a software that sends and receives settlement offers for you until you come to an agreement with the collector or creditor. Innovative tools such as SoloSettle can make it much easier to fly solo in the credit card debt settlement process, which can help you both save money and resolve your debts more efficiently than litigation.

To learn more about these steps, watch our video guide below:

How to engage with Estate Information Services

If Estate Planning Services files a lawsuit against you, then it is important to respond and show up. In other words, you cannot and should not ignore any legal filing by Estate Information Services, or any debt collector.

Stop a default judgment from being filed with SoloSuit.

So, rather than avoid a debt collection lawsuit, you need to make sure that you answer the lawsuit in the required amount of time (which typically is as short as 30 days). That means, when you get something in the mail stating that Estate Information Services has sued you in court, you need to:

1. File an Answer to the Lawsuit

You may not know the first thing about filing an Answer to a lawsuit – but that is where SoloSuit comes in to help you. Go to solosuit.com, answer a few questions on the site, and you will see how easy it is to file an Answer to an Estate Information Services suit in any state in the country.

2. Demand Proof That You Are Responsible

As noted above, you are generally not liable for the debts of a deceased relative. Thus, put Estate Information Services through its paces to prove that you owe a particular debt. Chances are, Estate Information Services will not be able to provide that proof.

3. Talk to an Attorney About a Possible Countersuit

You are generally not liable for a deceased relative's debts. Speak with a lawyer to see if you can counter-sue based on violations of the FDCPA or TCPA.

In summary, you shouldn't let Estate Information Services hurt your credit score or cause you more stress at a time when you are dealing with the death of a loved one. Contact them to discuss your options, and be prepared to negotiate. Use SoloSettle to streamline the settlement process.

Settle with SoloSettle

Make an Offer

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