Sooo sorry for your loss and especially that someone wants to throw sand in your face at this point. It operates from Minneapolis and has been graded as an A+ Business with the Better Business Bureau. Received a letter about an outstanding debt. To verify the status of these licenses visit the Nationwide Licensing System , Proud to be a member of Receivables Management Association International. I have not contacted them. *Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. Hired an estate lawyer and made a living trust with will before he passed. Thanks for the advice, Same situation with me and mine was definitely from medical bills. I recently commented throughout a different thread on this situation, but in a nutshell if the card was only in one name (not jointly owned) once the estate goes into probate, any and all debts become the "problem" of the estate. DCM Services is third party debt collector located in Minneapolis, Minnesota. Theyre legit. We are in California (community property state). Need help managing your finances? If enough time has passed, you may not be liable for paying the debt. Since September 2015, the Consumer Financial Protection Bureau (CFPB) has logged 7 complaints against DCM for attempts to collect debts not owed and improper sharing of information. The FDCPA law stipulates that the consumer should send the Debt Validation Letter within 30 days of being contacted by a debt collector. In your case, the debt collectors may try to go after your dad for the money. You can also attempt to negotiate with the company to see if you can reduce the payment. Does a debt go away when the debtor dies? Out of 71 Google reviews, the company only has an average rating of 1.6 out of 5 stars. However, it, 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. Should you fail to do so within 30 days of the first contact from DCM Services, the debt will be considered valid and yours. We are Lemberg Law, a Consumer Law Firm. I received a letter concerning my mothers estate. 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*. All rights reserved. I had her mail forwarded to a local address (not mine; Im not that dumb), and got two letters from DCM asking for info about the executor of her estate. In some states, others (or other people) may have that authority, even if they haven't been formally appointed by the court. The letter should contain language the references the clause within the FDCPA that grants consumers the right to request the cessation of all forms of communication between you and DCM Services. I never claimed responsibility for her debts before or after her death. Write a comment below to share online. (We can help you in all 50 states.). Im not worried about being pressured myself; I have access to excellent legal advice. She had two credit cards with balances, Wells Fargo and American Express, both of which I mailed letters to as soon as I had her death certificate in hand so I could send them copies of said certificate. You may need to supply a death certificate and a letter of administration, but you do NOT need to help them in any way file a claim against the estate. In January 2016, a complainant indicated she had received a letter from DCM regarding the estate of her deceased husband; however, her husband was still alive and had received and read the letter before passing it on to his wife. 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. Debt collectors may not discuss the debts of deceased persons with anyone else. The balance on Wells Fargo is about $5,400.00. Make a copy of your letter for your files, send the original by certified mail, and pay for a "return receipt" so you can document what the collector received and when. The form includes a section for you to reply to each claim listed against you in the Complaint document from DCM Services. I dont know what to do. I was not a co-signer to any of her credit cards. What Happens If You Avoid Getting Served Court Papers? You have the right have your debt verified. Nor is it a substitute for an attorney or law firm. Lying to you or giving misleading information. Describe your legal concern or comment Briefly describe your experience Briefly describe your experience. But there are exceptions to this rule. In addition, you can request that they delete the debt from your credit report once you pay most or all of the remaining amount. I would check with a financial attorney not only about this issue but how to protect your dad from predatory scam artists and such. Thanks for the service!" Once the collector gets your letter, he cannot contact you again except to confirm that there will be no further contact or that he or the creditor plans to take a specific action, like filing a lawsuit to collect the debt. They are prohibited from threatening a lawsuit, unless they actually plan to sue you. Why do debt collectors block their phone numbers? Docket Entry: LETTER FROM DCM SERVICES, LLC DATED ON FEBRUARY 6, 2008- FILED WITH ATTACHED BLANK DECLARATION PAGE BM0211 [+] Read More [-] Read Less; 10/03 . He lived in an Assisted Living Facilty in Florida. DCM Services is a legitimate business with a purpose to serve. Deceased Case Management Services, LLC or DCM Services is a third-party collection agency that focuses exclusively on collecting delinquent accounts from the estates of deceased debtors. I've been having dreams where he's still alive and it's been really great Just wake up really disorientated and crying. We look forward to working with you to resolve your legal issues. I am 68 years old and trying to deal with 3 years of stress of caregiving for my husband. Dcm contacted me and in the first 30 sec. However, we are now being contacted by a collection company called DCM Services and they want to know who is the person responsible for paying her debt for these accounts that are being reported as paid? The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. DCM's primary purpose is to collect an overdue debt from you, even though it is not directly yours. Harrased you with phone calls?Threatened to sue you or garnish wages?Asked you to pay more than owed or added interest/fees?Told a third party about the debt?Failed to send you any thing in the mail?Lied or threatened you?Did anything else that you think is illegal or unfair? Towed one time. Keep in mind that even if you stop collectors from communicating with you, you are still responsible for the debt. 7. Our Debt Validation Letter is the best way to respond to a collection letter. Your email Whats your email address? Anyone ever dealt with something like this? DCM Services, LLC. Failed to send you any thing in the mail? I am writing this letter in response to the phone call (or letter) that I received by DCM Services on (fill in the date). DCM Services, LLC Reviews 28 1.4. Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. You may be responsible for the debt if you: If you have questions about whether you are legally obligated to pay a deceased person's debts from your own assets, talk to a lawyer. Funeral expenses, taxes and court fees come before any creditor and in many cases will wipe out any non-obligated cash value of smal estates. read more 3. In the last three years, DCM Services has received 48 complaints through the Better Business Bureau. I have recently gone though this process (estate closed last month) and its a PITA generally, that said there are very specific rules that govern which debts get paid by the estate and DO NOT RUSH to pay any of them because the are the responsibility of the estate not the heirs or family - there is no way that a credit card issuer should turn an unpaid credit card balance over to a debt collector if they are imformed that the estate is in probate. Read our Newswire Disclaimer House is paid off and within 6 weeks of her passing I get this letter not telling me who they are and wants me to call them. My wife recently passed away in April 2019. Read our 50-state guide. If so, access our online portal below for additional information. The business address is 16715 Se Evergreen Ln, Oak Grove, OR 97267. Learn more. Find out if we can help you too today! Call 475-277-1600 NOW. To exercise this right, you must send a letter to the collector stating that you do not want the collector to contact you again. I have heard nothing from Wells Fargo. I dont want to pay this money. When asked, DCM Services is required to prove that the debt they are trying to collect is indeed yours. Press J to jump to the feed. There is NO debt!!! Helpful? DCM Services or Deceased Case Management Services, LLC is a third-party agency that collects debt for creditors. Keep a copy for your records. Sorry, not the appropriate response for your help. How Many Times Can a Judgment be Renewed in Oklahoma? She had Medicare, Tenncare, and Aetna medigap insurance. DCM Services, LLC is a collection agency located in Minneapolis, MN. How Does the CFPBs Debt Collection Rule Affect You? Did you receive a letter referencing DCMS ServiceLink? If you have been contacted by DCM Services regarding a debt that they claim you owe, you should review the following legal rights that are protected by the FDCPA: There are many benefits to sending a debt validation letter to third-party collection agencies. So they try a Hail Mary for me to pay the 1000 dollars. The ex-boyfriend died last year. . But, collectors cannot say anything about the debt to the third party. DCM Services is a debt collection agency attempting to collect a debt. My dad made a living trust and will through a lawyer. It is illegal for a debt collector to make empty threats to sue you or garnish your wages. When I called Chase, they referred me to DCM. If you find discrepancies in the validation notice from DCM Services, send a dispute letter to TransUnion, Equifax, and Experian. If there is no will, the court may appoint an administrator, personal representative, or universal successor, and give them the authority to settle the affairs. Report any problems you have with a debt collector to your state Attorney General's office at naag.org and the Federal Trade Commission atftccomplaintassistant.gov. Fails to provide information about the debt. I just feel so shitty about it. You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt. Thankfully my old Partner on the Police Force went on to become an attorney, and on the passing of my wonderful wife, he called to pass on condolences. Composing a debt validation letter is not complicated. Who has the authority to pay the deceased person's debt out of his or her assets? His house was paid off as was his car, I'm guessing it might have been some medical bill that could have been missed. Dcm Communities, LLC is a business registered with Oregon Secretary of State, Corporation Division. The person named in a will who is responsible for settling a deceased person's affairs is called the executor. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. 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. However, we do offer translation of verbal and written communications to Spanish but on a limited basis. If you're seeing this, you're on a slow connection or you may not have JavaScript enabled. were legally responsible for resolving the estate and didn't comply with certain state probate laws. DCM has received complaints from consumers alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as failing to verify debts and harassment. Finding real estate agents in my area is easy on Houzz. My late father's address received letter from DCM Services (Debt collections agency) My father passed away just two months ago in September and I'm spinning my wheels trying to cope with the loss as well as get together his estate. Thank you again, I'm so sorry for your loss, I really didn't know how much it would hurt until it happened so I'm thankful for your kindness and help. Letter to Barbara Sinsley, Esq. Do I Need a Debt Collection Defense Attorney? Effective strategies for how to get back on track after a debt lawsuit, New Hampshire Statute of Limitations on Debt, Sample Cease and Desist Letter Against Debt Collectors, The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah, West Virginia Statute of Limitations on Debt, What debt collectors cannot do FDCPA explained, Defending Yourself in Court Against Debt Collector, Youre Drowning in Debt Heres How to Swim, How to Answer Summons for Debt Collection in Vermont, North Dakota Statute of Limitations on Debt, Summoned to Court for Medical Bills? What Happens If You Never Answer Debt Collectors? New comments cannot be posted and votes cannot be cast. All rights reserved. I asked what DCM was and they said DCM would call me . Weve helped thousands of consumers fight back against unscrupulous debt collection harassers. You have the right to control your contact with DCM Services. Call our Helpline today! The collection agency has been in business since 2006 and also operates under the Balogh Becker Ltd.
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