Disclaimer: This story was originally published on February 19, 2021, on BetterCreditBlog.org. Federal laws protect you. We can't settle the estate until this judgement is showing paid at the courthouse. Thank you. If you are wondering about why they are trying to collect in the first place, then educate yourself on the legal process known as probate. In May 2017, a complainant whose father had passed away, leaving some consumer credit card debt and only a small estate, had contacted the credit card companies to arrange settlement terms. The bank and collection agency cannot come after life insurance proceeds. I just want the letters and phone calls to his relatives to stop. DCM services use agents to make calls and send emails to prompt you into paying the debt of a deceased loved one. DCM works to recover probate debt from providers of healthcare, financial services, credit unions, and government agencies. Let me me educate you and the rest of you vultures My husband took a Prime Equity loan to pay bills I knew nothing about I assume to protect me from knowing how difficult things are. I will have you know that the estate of the deceased is responsible for the debts incurred by the deceased. Absolutely. I have no credit card debt. In some cases the company will settle with the estate for cents on the dollar. According to the Better Business Bureau (BBB), DCM Services is a legitimate collection agency founded in 2006 and services the Minneapolis-St. Paul metropolitan region. It may seem impossible to beat DCM Services, but it is possible to stop their calls and prevent further harm to your credit score with the right approach. My father died a month and 3 days ago. 2018 Odyssey EX. DCM Services, LLC, is a third-party collection agency with a primary focus on resolving estate debt on behalf of clients across multiple industries. Whether you found this article a little too late or you submitted a debt validation letter and the agency responded by providing you with proof of the debt, your next best bet is to arrange a pay-for-delete agreement. If DCM Services or DCM Services LLC has recently appeared on your credit report, it's probably to collect on a delinquent account. I might not be understanding the whole probate thing, which in case I am, I apologise. The DCMS Customer Service and Technical Support Hotline (952) 473-3572 is accessible 24 hours / 7 days a week. Dorado, PR 00646, Metro Office Park You do not need a lawyer to draft the letter for you. If you pay a collections agency what you owe without an agreement in place, their calls will stop. the only way around this is if your name was on the card application also. It is also unlikely DCM Services would sue you for a debt you may not owe or they cannot validate. I am in the same boat- they released the claim against the estate, but we need the lien released to move forward with short sale on the house. ComplaintsBoard.com is a leading complaint resolution website on the Internet. DCM Services is a legitimate business with a purpose to serve. if this is the case then they can go after you to pay it. In that case the debt most certainly does die with the person. The videos were so helpful, easy to understand and encouraging. But their services don't stop there. This law prevents debt collectors from treating you unethically or making baseless claims regarding debts. It came to my address in MS, he lived in LA. I received a letter from DCM Services stating there is a balance owed on my husband medical bills. It's been 4 months since my dad passed and went through same stuff you've described below. Of course they wanted my. Just wondering if this is a legit company. Confronting debt collectors about your own debt is challenging enough. Came in the mail today. They said if I didnt reply they would close the account in thirty days. Get the settlement agreement in writing and wait for 30 days after paying the debt before checking your credit report to confirm the changes. What Happens If Someone Sues You and You Have No Money? It could be debt from medical services. Heather. I wonder if they really care! New comments cannot be posted and votes cannot be cast. No money, nothing. Also, my husband does not have an estate. DCM Services 1-877-326-5171 There was a message on my answering machine from DCM Services. Three months after the estate had been handled and closed!!! I refuse to do their job for them. Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. Use of its products are governed by its Terms of Service, Privacy Policy, and Legal Disclaimer. Do not panic when you receive a lawsuit letter from DCM Services. We enforce federal competition and consumer protection laws that prevent anticompetitive, deceptive, and unfair business practices. There is a VERY special place in hell for people who harass grieving people. Once the account representative verifies that they are speaking with the proper person, the account representative can go into further detail and answer any questions. There is not an estate. They are prohibited from threatening a lawsuit, unless they actually plan to sue you. She wants me to call her as soon as possible. In Canada a bill collectore has to stop if a death certificate is produced. So I have been using this simple reply to the callers. Free and open company data on Massachusetts (US) company DCM SERVICES, LLC (company number 205032546), 1550 AMERICAN BLVD E STE 200, BLOOMINGTON, MN, 55425-1116 Is There a Judgment Against Me Without my Knowledge? Only debt that I know of was a Lowes bill. Contacting an attorney BEFORE this could possibly happen would be a smart move. Use our visualizations to explore scam and fraud trends in your state based on reports from consumers like you. 7. We do not provide legal advice nor do we practice law. It is an advertising service paid for by the lawyers and advocates whose names are provided in response to user requests and it is not an attorney referral service. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. (3)use our payment portal, DCMS ServiceLink, if such option is given in a letter sent to you. Asked you to pay more than owed or added interest/fees? Consumers have reported this agency harassing them from the following numbers: I was almost going nuts receiving calls every afternoon from a person using profane language to push me to pay debts I dont owe. He and I owned a condo that is being rented. Thanks for the service!" If you want to ignore them and the estate does have the means to pay the balance then have fun going through the lengthy legal process that is about to ensue. Federal Trade Commission | Protecting America's Consumers Please take a breath and realize this does not all have to be done in this moment. Spot the latest COVID scams, get compliance guidance, and stay up to date on FTC actions during the pandemic. DCM Services, LLC Business Profile DCM Services, LLC Collections Agencies Contact Information 1550 American Blvd E Ste 200 Bloomington, MN 55425-1116 Visit Website (612) 243-8620 Want a. The cards are gone, I called and had them stopped. Using abusive language or mistreating you. Under the Fair Debt Collection Practices Act (FDCPA), I have the right to request validation of the debt that you claim I owe. @ lovelyrita04 While you may be questioning their legitimacy, DCM services is a credible debt collection agency. What are the biggest debt collector companies in the US? You may dread responding to DCM Services, but you have to in order to improve your credit. Start the settlement negotiation process by sending an offer for free with SoloSettle. I was so afraid I could lose my job because of a caller who called my job number 4 hours straight back to back. Taken to local, Things You Can Do Yourself When You Have a Lemon, Background Check Errors Can Cost you a Job and So Much More, Tenant Data Services Screening Report Dispute False Info or Errors, How to dispute background check errors that cost you a job, You are receiving early morning or late night calls from debt collectors, A debt collector attempts to collect more than you owe, You are being threatened with negative credit reporting, A debt collector attempts to intimidate you, Criminal accusations are being made towards you, We Help Stop DCM Services (DCMS) Collections Harassment. What Happens If You Avoid Getting Served Court Papers? When those times come in the form of unpaid bills, the financial stress that ensues can be debilitating. Thanks for reading. I now pay 500$ a month on that. Here's a list of guides for other states. Now, let's break these options down a little further. I asked what DCM was and they said DCM would call me . They both mention some phantom letter sent to me, guess what, never got a letter. Composing a debt validation letter is not complicated. Advice on how to answer a summons for debt collection. If you are convincing, you may even get the debt reduced by 50%. Has a debt collection done any of the following: Phone Script for When DCM Services Calls*. *Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. Of course if the estate is insolvent and there are no assets or methods for payment there will be no collection, but if the process of probate is necessary in most states it is necessary to pay these valid debts before any assets can be distributed. In rhe beggining I was offered an equity check but I would like to keep the estate as I am her only child. they asked 3 times if I was responsible for this debt . Do student loans go away after 7 years? Thanks for the advice, Same situation with me and mine was definitely from medical bills. You can sue a debt collector. My husband died Jan.2, 2018 of Cancer after 47 years of marriage. I got a letter about husband being deceased, he is not. Today (28 August) while I am on business travel in Pennsylvania, my wife received a call from an woman who identified herself as Anna Brown who wanted to know who was responsible for my fathers estate. I suspected that this was a scam of some type when the hospital claim they were asking about was not called by the correct name. if I could choose "no stars" I would have. If you do not comply, I will immediately file a complaint with the FTC and the Attorney Generals office in (fill in your state). How disgusting of a company is this. Submit a complaint and get your issue resolved. I told them no that I was husband the people you need to talk to are her attorney and they instantly hong up on me they would not tell what this debt was about and Im her husband. DCM Services, LLC, is a third-party collection agency with a primary focus on resolving estate debt on behalf of clients across multiple industries. My kids are asking what this is about, why these people are bothering us about Daddy. DCM will not release the debt from Verizon in order to clear my account. I just want his relatives' letters and phone calls to stop.. In September, I received a letter from a debt collector, DCM Services, in Minneapolis, Minnesota asking for the name of the person designated with the authority to pay her outstanding bills. What is a default judgment? What do I do? BBB Business Profiles are subject to change at any time. They may not threaten to harm you, have you arrested, or take your property. My dad made a living trust and will through a lawyer. The letter also requires them to send a statement saying you have the right to ask for more information about the debt and dispute it if you still doubt its legitimacy. The company also offers other specialty accounts-receivable services intending to offer a sensitive approach while providing excellent experiences. I personally paid any and all debts owedif there was an actual debt then I would have seen a bill in the last three months and would have paid it. 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