What to do when a Achieve account holder dies
Contact Achieve — 7-step process, 3 required documents, and achieve does not publish a timeline for handling a deceased borrower's account. notification, payoff quotes, and account updates are handled through customer service once the death certificate and any required estate documents are provided. unsecured personal-loan balances are settled as claims in probate; secured home equity balances stay with the property until paid, refinanced, or the home is sold.
Achieve Customer Service
2114 East Achieve Way, Suite 310, Tempe, AZ 85288
Achieve Customer Service
2114 East Achieve Way, Suite 310, Tempe, AZ 85288
Achieve Customer Service (no dedicated deceased-account department published)
2114 East Achieve Way, Suite 310, Tempe, AZ 85288
When an account holder at Achieve dies, the executor contacts the Achieve Customer Service (no dedicated deceased-account department published) (1-800-920-0045) to report the death and request the balance as of the date of death. The balance is a claim against the estate: it is paid from estate assets, in the order the state sets, before anything reaches the heirs.
Before contacting Achieve, have the account holder's full name, date of birth, and any available account numbers ready. A certified death certificate is required to initiate the claim.
Death claim process
The death claim process at Achieve works as follows:
Filing a claim
- If there is a co-signer or joint borrower, that person remains responsible for the debt after the borrower's death
- If there is no co-signer or joint borrower, an unsecured personal loan is a claim against the estate, paid from estate assets during probate; heirs do not personally inherit it
- A home equity loan is secured by the home, so the balance stays attached to the property and is resolved through payoff, refinance, sale, or continued payments by a survivor who keeps the home
Required Documents
- Certified copy of the death certificate for the deceased borrower
- The Achieve loan number
- Letters of Testamentary or Letters of Administration, or a small estate affidavit, when Achieve requires proof of authority to discuss or settle the account
What to know at this institution
Achieve publishes no deceased-borrower or estate-specific process page, no dedicated bereavement/estate department, and no deceased-account claim form. The estate representative sends its own written notice plus the death certificate and any required estate documents (user-drafted). An Achieve personal loan is unsecured and carries no beneficiary or payable-on-death designation; it becomes a claim against the estate, and heirs do not personally inherit it absent a co-signer or joint borrower. Achieve Personal Loans are originated by Cross River Bank, Delaware Branch, so account handling may involve confirming the origination/servicing relationship. The separate Freedom Debt Relief debt-settlement program is a service, not a debt the estate owes.
Prepare your letter of instruction to Achieve
Achieve accepts a claimant-drafted letter of instruction. We draft it for you — addressed to Achieve's verified claims department, with the documents it requires enclosed.
Build your letter of instructionHow long the process takes at Achieve: Achieve does not publish a timeline for handling a deceased borrower's account. Notification, payoff quotes, and account updates are handled through Customer Service once the death certificate and any required estate documents are provided. Unsecured personal-loan balances are settled as claims in probate; secured home equity balances stay with the property until paid, refinanced, or the home is sold. The most common reason for delays is missing or incomplete documentation, so submitting everything upfront is the best way to keep things moving.
Achieve requires Certified copy of the death certificate for the deceased borrower, The Achieve loan number, and Letters of Testamentary or Letters of Administration, or a small estate affidavit, when Achieve requires proof of authority to discuss or settle the account to process a death claim. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.
Frequently asked questions
An Achieve personal loan is an unsecured debt that does not disappear on death; it becomes a claim against the borrower's estate. Have the death certificate ready and notify Achieve by calling Customer Service at 1-800-920-0045. If there is no co-signer or joint borrower, the balance is paid from estate assets during probate ahead of distributions to heirs, and heirs do not personally inherit the debt. If the estate has no assets, an unsecured balance may go unpaid.
No. A personal loan is a debt, not an asset, so there is no beneficiary or payable-on-death designation. When the borrower dies, the obligation becomes part of the estate and is settled from estate assets. Only a co-signer or joint borrower remains personally responsible for the balance.
Achieve Personal Loans (formerly "FreedomPlus," NMLS ID #227977) are originated by Cross River Bank, Delaware Branch, and marketed and serviced under the Achieve brand. When settling a deceased borrower's account, an estate representative works through Achieve Customer Service at 1-800-920-0045, which may confirm the origination and servicing relationship as part of locating the loan.
Achieve asks for a certified copy of the death certificate and the Achieve loan number. To establish authority over the estate, Achieve may require Letters of Testamentary or Letters of Administration (court documents naming the executor or administrator), or a small estate affidavit when the estate qualifies under state law. Because Achieve publishes no dedicated estate department or claim form, confirm the exact documents and mailing address by calling 1-800-920-0045.
A home equity loan or HELOC is secured by a lien on the home, so unlike an unsecured personal loan the balance stays attached to the property and does not go away. The estate resolves it by paying off the balance, refinancing, selling the home, or continuing payments if a survivor keeps the home. Keep the account current during administration, because a home equity lien can lead to foreclosure if payments stop.
Call Achieve Customer Service at 1-800-920-0045. Achieve Personal Loans support is available Monday through Friday 6 a.m. to 8 p.m. Arizona time and Saturday and Sunday 7 a.m. to 5 p.m. Arizona time. Have the death certificate and Achieve loan number ready. Written notice with the death certificate can be mailed to Achieve, 2114 East Achieve Way, Suite 310, Tempe, AZ 85288.
Achieve's own guidance is that you generally cannot inherit another person's personal loans or other unsecured debts. Family members are not personally responsible unless they co-signed the loan or were joint borrowers, in which case the surviving borrower remains responsible. Otherwise the debt is paid by the estate, and if the estate has no assets an unsecured balance may go unpaid.
Achieve's Achieve Customer Service (no dedicated deceased-account department published) can be reached by phone at 1-800-920-0045 for questions throughout the claims process.
Sources
Data sourced from Achieve primary sources (6 pages reviewed). How we research.
Achieve Customer Service
2114 East Achieve Way, Suite 310, Tempe, AZ 85288
Achieve Customer Service
2114 East Achieve Way, Suite 310, Tempe, AZ 85288
Achieve Customer Service (no dedicated deceased-account department published)
2114 East Achieve Way, Suite 310, Tempe, AZ 85288
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