The loss of a family member always generates pain in those close to them, but after the burial it is necessary to carry out certain procedures, such as verifying if the deceased had debts in the bank. This information can be requested from the SBS (Superintendency of Banking, Insurance and AFP) for free. Thus, you will be able to know the credit situation of the person who died in a short period of time.
For this purpose, the SBS has a digital system and also offers face-to-face assistance. In this sense, we tell you how to make such a request and within how many days you could find out if the deceased relative had debts or not.
How to find out for free if my relative who died had debts in the bank?
Family members and heirs can find out for free if a deceased person had debts. For this, the following documents are necessary first.
- Death certificate.
- Simple copy of the identity document (DNI).
- Application form (it is available on the website or offices of the SBS).
- In the case of representation, a document granting power of attorney must be shown with a simple copy of the identity document of the person representing and of the represented.
This documentation must be done through the SBS website and choose the option informed heirs. After that, you can select central risk reporting SBS (debt report). Attach the requested documents in PDF format and click send. According to information on its website, the maximum delivery time for said information would be five business days.
People can find out if their deceased relative had debts in the bank through the SBS web platform. Photo: composition LR/Pexels
What other information about a deceased relative can be obtained for free?
Through the aforementioned platform of the SBS, people can also obtain the certificate of life or personal accident insurance policies, proof of deposits or other passive products and proof of affiliation status to the SPP. It is worth noting that the maximum response time for each of these requests is 11, 12 and 5 business days, respectively.
Source: Larepublica
Alia is a professional author and journalist, working at 247 news agency. She writes on various topics from economy news to general interest pieces, providing readers with relevant and informative content. With years of experience, she brings a unique perspective and in-depth analysis to her work.
