Did you follow your state-specific rules on what an executor has to do to notify creditors? (this varies very much by state. Some states require the executor to put in some effort into tracking down creditors others only require that an executor take out an ad in an approved newspaper for a certain number of weeks). If you followed your state's rules on tracking down creditors and paid the identified creditors in the order that is required in your state, you can tell this debt consolidation company "too bad, so sad."