My mother passed away in a nursing home under hospice care on August 1, 2018. The debt collection process is complicated. DCM Services is a debt collection agency attempting to collect a debt. Credit repair specialists will take a look at your entire credit report, analyzing it for inaccuracies and pinpointing its biggest issues. I'm not sure how anything could have gone to collections by now. BBB reports on known marketplace practices. No money, nothing. Beneficiaries of the estate typically should not receive distributions unless outstanding obligations (like credit cards) have been paid. The suit argues that the plaintiffs liability to pay the debts had not yet been established only weeks after her husbands death and that the defendants demand for payment was an illegal attempt to capitalize on the death in the family to collect debts that the spouse and immediate family members may not be obligated to pay.. It could be debt from medical services. How to Make a Debt Validation Letter - The Ultimate Guide, How to Make a Motion to Compel Arbitration Without an Attorney, How to Stop Wage Garnishment Everything You Need to Know, How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide), Defending Yourself in Court Against a Debt Collector, Tips on you can to file an FDCPA lawsuit against a debt collection agency. This week I received three phone calls from Ascension Point, a debt collector in Coon Rapides, Minnesota, asking to speak to the person responsible for her debts. The only thing that she had left was personal items and a old ATV and a 1982 old pickup. 809 (b) of the FDCPA. Do not assume that you are entitled to any compensation as a result of the consumer complaints you have. One thing he stressed was, since my wife left no Estate, I should agree to NOTHING when these collectors call because they will poke and push for you to say you are responsible for the debt even though legally you are not. Using abusive language or mistreating you. I dont know what to do. They, Discover, were made aware that she was being placed on MEDICARE and MEDICAID even after all assets were exhausted! This is a YouTube video about how to deal with these predators: https://www.youtube.com/watch?v=GGH_EDw1c8M. They will then use your admission on a recorded phone call against you to attempt collection of the debts. The Truth: Should You Never Pay a Debt Collection Agency? BOX 6495, MACON, GA, 31208-6495, USA. As a matter of policy, BBB does not endorse any product, service or business. Nor is it a substitute for an attorney or law firm. Whats your name? In September 2015, a complainant whose mother had passed away two weeks earlier received a letter from DCM Services even though the judge had not yet approved the probate paperwork, his mothers death had not yet been published, and creditors had been directed to contact the court directly. To find out the attorney or advocate in your area who is responsible for the advertisement, click here. Do not panic when you receive a lawsuit letter from DCM Services. Can Private Disability Payments Be Garnished? I understand when someone says these people are just "doing their job", but to continually harp to an already hurting person about a hospital bill from 11 months ago is senseless. It operates from Minneapolis and has been graded as an A+ Business with the Better Business Bureau. 7 calle 1, Suite 204 BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. DCM Services LLC is a debt collection agency that collects the debt of a person who has recently passed away from their immediate family members. I acted like such a dick to him and there's no justification for it. By submitting a free evaluation, I acknowledge that I understand and agree to the disclaimer and privacy policy. Ultimately these companies are trying to help educate on the process of probate and help resolve issues in a timely manner. While you may be questioning their legitimacy, DCM services is a credible debt collection agency. Dispute the debt with the credit bureaus. If you do not comply, I will immediately file a complaint with the FTC and the Attorney Generals office in (fill in your state). I finally told him he was WELCOME to contact my VERY ETHICAL & HONEST attorney's office, to ask them all of these questions. 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. In an effort to protect consumers from unscrupulous collectors, Congress passed the Fair Debt Collection Practices Act (FDCPA). It's very sad! Out of 71 Google reviews, the company only has an average rating of 1.6 out of 5 stars. The balanced on that card is about $2,300.00. See the jurisdictions in which our lawyers are licensed, admitted, or otherwise authorized to practice. However, estate assets would include any bank and investment accounts, real estate and automobiles that are only in his name. What are the biggest debt collector companies in the US? He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win. It's very frustrating to know even after you've did the right thing that people will still behave in this unscrupulous manner. 2023, International Association of Better Business Bureaus, Inc., separately incorporated Better Business Bureau organizations in the US, Canada and Mexico and BBB Institute for Marketplace Trust, Inc. All rights reserved. I will not respond to any letters they send to give them a chance to get a phone # to call & harass our family. Maybe both? Stopcollections.org is not a lawyer or law firm. There is not an estate. In fact, many consumers have reported DCM Services for violations of the FDCPA, and others have submitted online complaints to fight back. She uses SoloSettle and gets DCM Services to reduce the debt by 40%. DCM Services say the account for ex does not have either my name or SS # attached to it. He did not have anything. DCM Services, LLC is a collection agency located in Minneapolis, MN. Abused? If a balance remains, it should be paid by the immediate family members. All other credit cards cancelled the cards and thatbwas that. Were you ever able to get DCM to release the lien? We have no debt. He asked for a bill, of course. The steps below can help you get a collection agency removed from your credit report quickly and easily. I pay the mortgage. We let them know that the Probate was over, the account was insolvent, there was NOTHING there. I will have you know that the estate of the deceased is responsible for the debts incurred by the deceased. They sometimes use unlawful methods, and it is essential to know your rights under the Fair Debt Collection Practises Act, which prohibits debt collectors from: If you are a victim of any of these actions, you're not alone. The balance on Wells Fargo is about $5,400.00. When a debt enters the collections stage, a collections entry appears on the consumers credit report or, in this case, to the beneficiary of the deceaseds estate. James. DE 1 ("Complaint"). I don't know how the usa works. These agencies don't always get the information they need to function so they call in search of the PR of the estate. Here is a Sample Case Filed in Federal Court: DCM Services, LLC is on the receiving end of a proposed class action lawsuit alleging that it unlawfully sought to collect a debt for medical services from the spouse of a man who had passed away. My 80-year-old father received a phone call from DCM Services regarding an outstanding bill from Aurora Medical Group for $444.95. Write a comment below to share online. Flames explode as wildfires burned near a shopping center Thursday, Dec. 30, 2021, near Broomfield, Colo. Homes surrounding the Flatiron Crossing mall were being evacuated as wildfires raced. He was able to get a living trust and will together to leave his house & finances. You have the right to be free from harassment or abuse. Do not be intimidated by the size of the company or the confidence the DCM agents have when they contact you. 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. In that case the debt most certainly does die with the person. This also allows you to halt the agencys calls. Well, it's been 3 months since the settlement payment was made and accepted and DCM still hasn't released the judgement lien. So, if your loved one passed away while carrying debt in one of the industries above, DCM Services may contact you to settle the account. submit your Answer to the court within 1435 days. Where do these people get info of person being deceased no death certificate ever filed because he is not deceased. Still, you may want to consider hiring a lawyer to assist you with this task. At one point or another in our lives, we all fall on hard times. I received only a couple of small medical bills, addressed to my mother only, and at least one of the bills stated I was not responsible for her medical bills. Federal laws provide individuals like you with a means to seek monetary damages in court. Consumer law protects you from debt collectors, and you can legally respond to them in the following ways. 1. She was covered by Part D, private supplemental insurance and Hospice so she did not pay for her medications. How Many Times Can a Judgment be Renewed in Oklahoma? He did not have anything. It says Chase in this letter they sent me. In the last three years, DCM Services has received 48 complaints through the Better Business Bureau. Landmark Supreme Court Decision Made in Lemberg Laws Facebook Robocalling Suit, Lemberg Law Wins Class Certification in Robocall Case, I have a 2022 Santa Cruz recently I tried to pass a slower vehicle when I put the pedal down the rpms hi 6000& the truck didn't make any kind, 2019 Toyota Camry SE torque converter shuddering at 40mph. While Estate Information Services, LLC is Better Business Bureau accredited, it has 14 complaints lodged against it with the BBB . They collect on debts in numerous industries, such as: Lenders and service providers may call in third-party collections agencies when theyre unable to collect payments from consumers. The attorneys were very kind and always available when I needed them., Thank you for standing with me Lemberg Law. Popping sound started in 2019/20. And yes they did call on a DO NOT CALL number. Since my wife left no estate, there is no representative. DCM Services is a legitimate business with a purpose to serve. We offer the most innovative and results-oriented technology solutions to service your specialty accounts. There is nothing to call about. Need more info on statutes of limitations? if I could choose "no stars" I would have. My 25 year old son passed away in June and we keep getting letters regarding his estate. There is a VERY special place in hell for people who harass grieving people. Or, instead you can send a secure message to our legal team. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). Were making guides on how to beat each one. Has 181,000 miles on it and I had the extended warranty. Federal Trade Commission | Protecting America's Consumers Update: This article has been updated to reflect current contact information for DCM Services. Please enter a valid email adress, Your phone Whats your phone number? At this point, you can negotiate with DCM services to allow you to pay less than the original amount. If a car is repossessed, do I still owe the debt? I started researching on YouTube and found SoloSuit's channel. Im not worried about being pressured myself; I have access to excellent legal advice. In other cases, organizations hire them to handle the collections process for a fee. Plaintiff/debtor Burton Hirschman, as Executor of the Estate of Steven Hirschman ("Plaintiff' and "Steven"), sued Defendant/debt collector DCM Services, LLC ("DCM") on behalf of a putative class, alleging that DCM violated various Fair Debt Collection Practices Act ("FDCPA") provisions. Representing yourself will help you save the money and stress of finding a lawyer. I'm so sorry for your loss, and while I know it doesn't get easier, I do hope you find solace. 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