Kempster Berger Inc. | Building the future of estate settlement

The Problem

Consumer debt doesn't disappear when people die.

It becomes an estate claim. But without a system to detect, file, and track it, banks write it off by default. Across the US, the disconnect between consumer lending and probate is enormous — and growing.

$18.8T total US household debt as of Q4 2025, per the Federal Reserve Bank of New York

3.1M Americans die each year, many with outstanding consumer debt that enters probate

6–24 mo typical probate timeline across US states, with strict creditor claim deadlines

Our Solution

Automated estate debt recovery for lenders.

We combine AI, public records monitoring, and deep probate expertise to turn write-offs into recoveries — without burdening your team.

Estate Platform

AI system trained specifically on probate and estate procedures across all 50 states
250+ active estates currently being managed on the family side
Deep insight from direct estate conversations across the US
A clear picture of where the probate-creditor disconnect breaks down

Debt Offering

Automated death-notification and portfolio matching for banks
State-compliant creditor claim filing across the US
Deadline tracking dashboard per estate and per claim
Recovery likelihood scoring at estate open allowing accurate forecasting
End-to-end settlement visibility and fund transfer confirmation

Why Now

The forces creating this gap are accelerating.

The Great Wealth Transfer

$84 trillion will transfer between generations by 2045, according to Cerulli Associates. Baby Boomers — the heart of consumer loan books — are passing at roughly 10,000 per day. Estate debt events are growing, not plateauing.

Probate Complexity Nationwide

Every US state has its own probate rules, creditor claim windows, and filing requirements. Timelines range from 6 to 24 months, and missed deadlines mean permanently lost recovery. Most lenders have no system to track any of it.

Regulatory Direction of Travel

The CFPB has expanded guidance on deceased borrower handling and successor-in-interest rules. Banks with no documented estate debt management process face growing examination risk. A structured approach protects you either way.

No Incumbent Solution

No US lender has a fully automated probate claims process today. The current process is manual, inconsistent, and staffed by collections teams without probate training. We're building the system that should already exist.

The Team

Founders

Arum Kempster

Co-Founder | Business

Ex-Oxford, led multiple Go To Market teams at high growth venture backed startups.

Jacob Effenberger

Co-Founder | Technical

German Special Forces, ETH Zurich; built AI systems for defense under strict regulatory frameworks.

We move fast, build relentlessly, and care deeply about shipping real products that matter.