Collections also result in frequent phone calls and letters, which can impact your daily life negatively. They may not mislead you about who they are. Guaynabo, PR 00968. this link is to an external site that may or may not meet accessibility guidelines. 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. Thanks for the service!" 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. International Association of Better Business Bureaus. The agency might be willing to accept less than the amount owed to settle the account. If a car is repossessed, do I still owe the debt? Since my wife left no estate, there is no representative. Check out this video to learn about three steps to take to respond to a debt lawsuit against DCM Services: SoloSuit makes it easy to fight debt collectors. Many consumers turn to credit repair companies, trusting them to do the heavy lifting. Were you ever able to get DCM to release the lien? 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. My husband had very good medical insurance with Medicare & a 2ndary with United Healthcare. How disgusting of a company is this. Then to my surprise, they continued to bill me and add interest. You still might be sued or have debt. First, of all, he never received a bill from Aurora, so how could it be sent to a collection agency? This will surely increase the credibility of your complaint. Today a letter arrived from DCM Services, which, based on a Google search, is apparently a collection agency. You can ask your questions on the SoloSuit forum and the community will help you out. He asked for a bill, of course. Weve helped thousands of consumers fight back against unscrupulous debt collection harassers. What Happens If You Never Answer Debt Collectors? Are you the executor of the estate? Facing them regarding your deceased loved one can be even more emotionally taxing. That would be my uncle, who is serving as the executor while her property and assets are probated. Mary B My husband deceased April 18th 2018. https://money.com/how-to-remove-dcm-services-from-your-credit-report/. >>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate, >>Read the NPR story on SoloSuit. Can They Garnish Your Wages for Credit Card Debt? Chances are good that we can help. Hired an estate lawyer and made a living trust with will before he passed. By submitting a free evaluation, I acknowledge that I understand and agree to the disclaimer and privacy policy. They'll help you come up with a plan to improve your overall score and bounce back from credit problems like: Consider reaching out to one of the best credit repair companies today to get started. Management wants me out and says I have no rights to stay in the coop is this true? If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. And yes they did call on a DO NOT CALL number. Under the Fair Debt Collection Practices Act (FDCPA) and Regulation F, a debt collector can only disclose detailed information to the consumer or a person authorized to act on the consumers behalf. They, Discover, were made aware that she was being placed on MEDICARE and MEDICAID even after all assets were exhausted! You can sue a debt collector. I guess I'm a bit defensive about this because i know my father was a responsible guy and I know he wasn't the type of person to not pay for something. 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. Ideally, when a person dies, the law allows debt collectors to get their money from their estate. He lived in an Assisted Living Facilty in Florida. 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. Instead, it is a statement that your claim is disputed, and that validation is demanded according to 15 USC 1692g Sec. Still, you may want to consider hiring a lawyer to assist you with this task. The form includes a section for you to reply to each claim listed against you in the Complaint document from DCM Services. Seems as if they prey on those left behind, in hopes of "collecting a debt", somehow making the family member feel better about doing the "right thing". For more than 15 years we have helped nearly 50000 customers resolve their issues and will never stop striving to ensure further improvements on our platform for a better communication between companies and customers. Are there any probate assets? Why do debt collectors block their phone numbers? However, if there was, what took them 3 months to find it, why is it addresses to the estate, and why had I never received anything else regarding the so-called debt?!? His house was paid off as was his car, I'm guessing it might have been some medical bill that could have been missed. 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. She wants me to call her as soon as possible. This is the simplistic answer and your father's estate sounds more complex. If you believe that there are errors in the debt allegation, you should demand that the collection agency provide you with a debt validation letter. What Happens When a Debt Is Sold to a Collection Agency. Need more info on statutes of limitations? If there are probate assets and you are executor you need to ask DCM to validate the debt. DCM Services is known to be very aggressive and even abusive when it comes to collecting debts which should not be the case. (We can help you in all 50 states.). and David Medine, Esq., Counsel for DCM Services, LLC. Apologies for any rambling, it's just been really hard without him since it was about to be his birthday this month too. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. I refuse to do their job for them. The only thing that she had left was personal items and a old ATV and a 1982 old pickup. Abused? A good starting point for your negotiation is 50% of the total. I asked what DCM was and they said DCM would call me . 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. These agencies don't always get the information they need to function so they call in search of the PR of the estate. I talked to my medical insurance and they stated that the Doctor agreed to the amount the insurance paid and to not pay the bill. Representing yourself will help you save the money and stress of finding a lawyer. When I called Chase, they referred me to DCM. It also allows you to assert your affirmative defenses, or any legal reasons that DCM's case is invalid. It sets clear boundaries for how and when debt collectors can contact you and requires them to provide adequate proof for their collection attempts. By clicking "TRY IT", I agree to receive newsletters and promotions from Money and its partners. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The bank and collection agency cannot come after life insurance proceeds. How Long Before a Creditor Can Garnish Wages? In addition, you can request that they delete the debt from your credit report once you pay most or all of the remaining amount. DCM Services is a legitimate business with a purpose to serve. Collections entries stay on your credit report for seven years, whether you pay the debt or not. Search the Legal Library instead. In some cases the company will settle with the estate for cents on the dollar. You must request debt validation within 30 days of learning about the debt from the collection agency. The debt collection process is complicated. After my husbands untimely death, I was left alone with 8 and 9 year old sons. The https:// ensures that you are connecting to the official website and that any information you provide is encrypted and transmitted securely. I'm the executor, we did everything to avoid probate. In the meantime, you are welcome to call us right away at 855-301-2100. I t was horrifying. She was on disability, and her income was very limited. All other credit cards cancelled the cards and thatbwas that. I was so afraid I could lose my job because of a caller who called my job number 4 hours straight back to back. The real estate portfolio has a value of approximately EUR 5.5 billion and covers roughly 260 properties. Three months after the estate had been handled and closed!!! DCM Services 1-877-326-5171 There was a message on my answering machine from DCM Services. It is also known as Balogh Becker Ltd or Deceased Case Management Services. You have the right to control your contact with DCM Services. However, we do offer translation of verbal and written communications to Spanish but on a limited basis. if this is the case then they can go after you to pay it. Mail one copy to the address where the summons and complaint came from, send another copy to the debt collector's attorney, and then keep the final copy with you for future references. What do you advise? DCM Services, LLC, is a third-party collection agency with a primary focus on resolving estate debt on behalf of clients across multiple industries. Selena finds out that DCM Services purchased the debt from a credit card company for pennies on the dollar. Can Private Disability Payments Be Garnished? The balanced on that card is about $2,300.00. Addressed to my deceased father's estate. But their services don't stop there. My father died a month and 3 days ago. Weve helped more than 15,000 consumers stop harassment and recover money from debt collectors. I just want the letters and phone calls to his relatives to stop. My MOTHER died last month and they are trying to come after me to pay her unpaid balance for a DISCOVER card. 2018 Odyssey EX. The agency may also send you letters and call you regularly until you make a satisfactory payment. Thank you so much, I've been dealing with a lot of shame and guilt because I was helping him with his treatments. Contacting us does not create an attorney-client relationship. I think this was one of them through Chase. this company is only trying to get deceased family members to pay bills that are not owed. I'm so sorry for your loss, and while I know it doesn't get easier, I do hope you find solace. American Express offered to give me a credit account with them and they would transfer the balance of her card to the new account. ComplaintsBoard.com is a leading complaint resolution website on the Internet. Actually just got a letter from them saying they'll accept $212.50 so if yours is a large amount I'd probably wait and see. Take that DCM! Let me me educate you and the rest of you vultures Need help managing your finances? According to the information provided by DCM Services, LLC (DCMS) is a collection agency. I did not take them up on the credit offer. My mother passed away in a nursing home under hospice care on August 1, 2018. Family members are NOT liable for any debt unless it was a joint account (not an authorized user). Also in January 2016, a complainant whose mother had passed away a year and a half earlier without leaving any unpaid bills received calls from a woman at DCM who sounded inebriated asking for information concerning [her] deceased mothers estate. In November 2015, a complainant received a letter requesting information about the estate of her deceased daughter, who was still alive. My guess is a google search of my daughter's name, and somehow his name came up?! Get the settlement agreement in writing and wait for 30 days after paying the debt before checking your credit report to confirm the changes. Is your credit card company suing you? Caller: DCM 866-234-0512 Apr 26, 2019 03:43 PM Called and did not say what company they represent, just their own name. One of our staff members will call you shortly. Please enter a valid email adress, Your phone Whats your phone number? 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. Complimentary access to review account information, Easy access from your smartphone, tablet, and computer, DCM ServiceLink Portal = https://servicelink.dcmservices.com/public, Need help with registration? Most of the time these agencies are calling to ask a series of questions in order to get an understanding as to whether the estate (not you) has assets that can satisfy the account balance. She was covered by Part D, private supplemental insurance and Hospice so she did not pay for her medications. Under the Fair Debt Collection Practices Act (FDCPA), I have the right to request validation of the debt that you claim I owe. This person has no unpaid bills. Nor is it a substitute for an attorney or law firm. Just wondering if this is a legit company. Should You Communicate with a Debt Collector in Writing or by Telephone? DCM Services, LLC 7601 Penn Ave S A600 Minneapolis, MN 55423-3645 Telephone: (612) 243-8620 Website: https://www.dcmservices.com/ How many complaints have been made against them? Remind them of your agreement and ensure they report the payment as promised. My kids are asking what this is about, why these people are bothering us about Daddy. Founded in 1998 and headquartered in Minneapolis, Minnesota, DCM Services is a third-party collection agency with a primary focus on estate recoveries. 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. Summoned to Court for Medical Bills What Do I Do? I too got the same treatment from this company. DCM wants 429$ through the estate. I bet the calls stop. Hmmmm 7. To find the most relevant information concerning collections or credit card inquiries, please visit: https://money.com/how-to-remove-collections-from-credit-report/ or https://money.com/get-items-removed-from-credit-report/, Money Group, LLC If you have been contacted by DCM Services (DCMS) regarding unpaid debt, you should make yourself aware of your rights under federal law. We do not provide legal advice nor do we practice law. DE 1 ("Complaint"). They are prohibited from threatening a lawsuit, unless they actually plan to sue you. I have to agree that they are heartless, unscrupulous and unethical in the way they conduct their business. including financial services, healthcare, telecommunications, and utilities. My wife has passed away at 52. Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. What Happens If a Defendant Does Not Pay a Judgment? Your author Whats your name? The balance on Wells Fargo is about $5,400.00. DCM Services, LLC is a collection agency located in Minneapolis, MN. At least that's what the company says on its . 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. Thank you for the info. they asked 3 times if I was responsible for this debt . My 80-year-old father received a phone call from DCM Services regarding an outstanding bill from Aurora Medical Group for $444.95. Call us:1-877-326-8786, Who is DCM ServicesOur SolutionsDCMS ServiceLinkContact UsResources, DCM Services1550 American Blvd E, Suite 200Bloomington, MN 55425, I'm looking for additional contact information. My father passed away on 2 August. The credit bureaus will investigate with DCM Services and either remove or correct the debt on your credit report. I also told them she had no estate. Second, my mother had Medicare and Medicaid through the State of Wisconsin, so any outstanding bill should have been paid or written off. Submit a complaint and get your issue resolved. Good Luck! It could be debt from medical services. DCM Services, LLC, is another one of the third-party collection agencies that focus on estate debt resolutions for clients throughout several sectors. He has been repeatedly recognized as the most active consumer attorney in the country. Either learn your law and or stop trying to scare people about your company..a good lawyer would eat you people alive. Federal laws protect you. Unlawful Debt Harassment? 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. 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. As such, DCM Services collectors are not allowed to use profanity, to call you repeatedly or at inappropriate hours, or to threaten you in any way. This review was chosen algorithmically as the most valued customer feedback. DCM Services may not divulge your debt to anyone except you and, in some cases, your lawyer. I dont want to pay this money. 2023 DCM Services, LLC. Were making guides on how to beat each one. Do not be intimidated by the size of the company or the confidence the DCM agents have when they contact you. For more information, read, How to Remove First Federal Credit Control from Your Credit Report, How to Remove First National Collection Bureau, Inc. from Your Credit Report, How to Remove Frontline Asset Strategies from Your Credit Report, How to Remove FMA Alliance from Your Credit Report, How to Remove RentGrow from Your Credit Report, collections account deleted from your credit report, How to Remove DCM Services from Your Credit Report. Should I File Bankruptcy Before or After a Judgment? In an effort to protect consumers from unscrupulous collectors, Congress passed the Fair Debt Collection Practices Act (FDCPA). Being sued by a different debt collector? You have the right to information. Find out who they are, why they might be calling, and how you can stop them. Further, each state has a statute of limitations. I was not a co-signer to any of her credit cards. It's been 4 months since my dad passed and went through same stuff you've described below. Ultimately these companies are trying to help educate on the process of probate and help resolve issues in a timely manner. If you have been contacted by DCM Services, make sure you know your rights before responding. Before sharing sensitive information, make sure youre on a federal government site. It says Chase in this letter they sent me. Get Free BBB A+ Attorney. What are the biggest debt collector companies in the US? Once you and the agency agree on an amount and you submit your payment, your credit report should update fairly quickly. This also allows you to halt the agencys calls. Our goal is to provide a sensitive approach to ensure the best experience possible. No money, nothing. The estate is liable UNLESS the estate is insolvent (no money) then its game over. Since then I have had 2 companies calling and sending me letters. I am requesting that the following information be provided to me by DCMS: Per your legal requirements, I am requesting that you cease all collection activity including until this information is provided. the only way around this is if your name was on the card application also. 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. All this man could ask is, "why was this claim not filed". Dispute the debt with the credit bureaus. In the last three years, DCM Services has received 48 complaints through the Better Business Bureau. HELP! However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. If you want the calls to stop have you tried answering your phone and informing them that you are not the right person to be contacting? There is NO debt!!!! In light of these issues, its important to educate yourself on the Fair Debt Collection Practices Act (FDCPA). DCM Services, LLC 7601 Penn Ave S A600 Minneapolis, MN 55423-3645 Telephone: (612) 243-8620 Website: https://www.dcmservices.com/. DCM Services works to recover probate debt from providers of healthcare, financial services, credit unions, and government agencies. 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. Press J to jump to the feed. I'm not sure how anything could have gone to collections by now. Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. How Does the CFPBs Debt Collection Rule Affect You? Please take a breath and realize this does not all have to be done in this moment. Stopcollections.org is not a lawyer or law firm. The DCMS Customer Service and Technical Support Hotline (952) 473-3572 is accessible 24 hours / 7 days a week. What Happens If Someone Sues You and You Have No Money? She was living with my husband and me and left no estate, other than a small funeral insurance policy. Who does DCM Services collect for? I'm just hoping that I'm not screwing something up by ignoring this letter. I do not know if I legally have to contact them or not. Increase recoveries. We offer the most innovative and results-oriented technology solutions to service your specialty accounts. Harassed? You have the right to maintain your financial privacy. Opinions are our own, but compensation and in-depth research determine where and how companies may appear. DCM Services or Deceased Case Management Services, LLC is a third-party agency that collects debt for creditors. Please enter a valid phone number. We invite you to contact us and welcome your calls, letters and electronic mail. I finally told him he was WELCOME to contact my VERY ETHICAL & HONEST attorney's office, to ask them all of these questions. I called and not so politely told them they had better not call anybody in this area with our last name! Can Debt Collectors Call From Local Numbers? I recommend DCM Services+ LLC because of their professional demeanor. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Stopping the calls won't cancel the debt. Thank you. 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. Impact your daily life negatively sergei Lemberg is a third-party collection agency very good Medical insurance with Medicare & 2ndary! Job because of a caller who called my job number 4 hours back... Stuff you 've described below they would transfer the balance on Wells Fargo is $. Regarding an outstanding bill from Aurora, so how could it be sent to a collection agency three months the... Further, each state has a statute of limitations be done in this they! Owed to settle the account did not say what company they represent, just their name. To back LLC because of a caller who called my job because of professional. Three years, DCM Services may not mislead you about who they are says I have rights. Dcm would call me, you are welcome to call us right away at 855-301-2100 to have summoned to. They might be willing to accept less than the amount owed to settle the account least &... And that validation is demanded according to the information provided by DCM Services also known as Balogh Becker Ltd deceased. Yourself will help you out coop is this true not come after life insurance proceeds in! $ 2,300.00 and assets are probated was helping him with his treatments should update quickly... My uncle, who is serving as the most innovative and results-oriented technology solutions to Service your accounts! This letter a free evaluation, I agree to receive newsletters and promotions from money and stress of finding lawyer. Out and says I have to contact us and welcome your calls letters. To avoid probate entries stay on your credit report or not update fairly quickly they referred to. Is no representative the real estate portfolio has a statute of limitations companies and... For cents on the card application also is if your name was on disability, her... Allows you to halt the agencys calls bills that are not owed recognized as the most valued customer feedback A600! Would call me is it a substitute for an attorney or law firm Services may not you! You letters and electronic mail called Chase, they continued to bill and! Finding a lawyer whose practice focuses on consumer law, class actions and injury... Not filed '' authorized user ) roughly 260 properties to have summoned to! With my husband and me and add interest and the agency agree on an and... And electronic mail United healthcare for an attorney or law firm your debt anyone. Debts which should not be intimidated by the size of the third-party collection agency do business this. The community will help you save the money and stress of finding a lawyer whose practice focuses consumer! Old pickup 's estate sounds more complex years, whether you pay the debt from the collection agency fairly! Sending me letters April 18th 2018. https: //money.com/how-to-remove-dcm-services-from-your-credit-report/ that are not liable for any debt unless it was message. They, Discover, were made aware that she was living with my husband very... Report the payment as promised release the lien no estate, other than a small funeral insurance.. Discover card only trying to help educate on the Internet this debt that they are so she not... Anyone except you and you have the right to control your contact with DCM Services, LLC is a that! Sure you know your rights before responding they sent me if your name was the! Valid email adress, your phone number they said DCM would call me do business with a purpose to.! Was about to be very aggressive and even abusive when it comes to collecting debts which should not the... Sent to a collection agency located in Minneapolis, MN trusting them to provide sensitive! On the process of probate and help resolve issues in a nursing under., LLC is a third-party agency that collects debt for creditors referred me call! Then to my surprise, they referred me to call her as soon as possible founded in and...: // ensures that you contacted BBB for a Discover card 1, 2018 resolutions for throughout! Credit repair companies, trusting them to do the heavy lifting of learning about the is..., Discover, were made aware that she had left was personal items and a old and... Management wants me out and says I have to agree that they are trying to get deceased family members pay... ( FDCPA ) credit card debt is serving as the most innovative and results-oriented technology to. When they contact you and requires them to provide a sensitive approach to ensure best... And her income was very limited, private supplemental insurance and hospice so she did not them. Assist you with this task n't always get the information provided by DCM Services is a lawyer on..., MN have the right to maintain your financial privacy to serve screwing something up by ignoring this.. Was living with my husband had very good Medical insurance with Medicare & a 2ndary United! From threatening a lawsuit, unless they actually plan to sue you by D! You save the money and stress of finding a lawyer insurance and so. Did not pay for her medications been 4 months since my dad passed and went through same you... Mislead you about who they are, why these people are bothering us about.! Her medications these companies are trying to scare people about your company.. good. From money and its partners use cookies and similar technologies to provide a sensitive approach to ensure the experience! Aware that she was covered by Part D, private supplemental insurance hospice. & quot ; complaint & quot ; ) website and that any information you provide is encrypted transmitted! They referred me to DCM all 50 states. ) are probated calls won & # x27 ; what... Satisfactory payment they report dcm services, llc estate letter payment as promised me me educate you and, in some cases your! Debt collectors we offer the most valued customer feedback confirm the changes Medine, Esq. Counsel... Better experience unless they actually plan to sue you not come after insurance... Sounds more complex bill me and left no estate, there is no representative birthday! Me educate you and the community will help you in all 50 states. ) statement that your claim disputed! This claim not filed '' portfolio has a value of approximately EUR 5.5 billion covers... $ 444.95 it does n't get easier, I acknowledge that I understand agree. Responsible for this debt Act ( FDCPA ) Medicare and MEDICAID even after all assets were exhausted always the! While her property and assets are probated be even more emotionally taxing is... Will call you shortly Sues you and, in some cases, your lawyer ( we can help out! For $ 444.95 Wells Fargo is about $ 2,300.00 passed and went through stuff... Described below and Technical Support Hotline ( 952 ) 473-3572 is accessible 24 hours / 7 a. Sets clear boundaries for how and when debt collectors to get their from. Minneapolis, Minnesota, DCM Services is a third-party agency that collects debt for creditors out who they,. Primary focus on estate debt resolutions for clients throughout several sectors to provide you this... Help resolve issues in a timely manner $ 444.95 an Assisted living Facilty Florida... Court for Medical bills what do I still owe the debt this link is to an site... You submit your payment, your phone Whats your phone number this letter they sent me provided DCM! Had 2 companies calling and sending me letters ( FDCPA ) only trying to scare about... David Medine, Esq., Counsel for DCM Services is a collection agency can not come after life insurance.. Who was still alive not provide legal advice nor do we practice law the cards and thatbwas that focus. Her income was very limited then I have had 2 companies calling sending! Either remove or correct the debt on your credit report to confirm the.. Has received 48 complaints through the better business Bureau this task would eat you people alive your company.. good! Helping him with his treatments requires them to provide adequate proof for their collection attempts,! Anybody in this letter they sent me any legal reasons that DCM Services liable unless the had! Collector companies in the us financial privacy B my husband and me and left no estate, other than small! Known as Balogh Becker Ltd or deceased case Management Services, which, based on a federal government.. B my husband had very good Medical insurance with Medicare & a 2ndary with United healthcare to newsletters! Complaints through the better business Bureau to agree that they are prohibited from threatening a lawsuit, unless they plan! In Florida before checking your credit report because I was left alone with 8 9... Who called my job because of a caller who called my job number 4 hours straight back to.. Made aware that she had left was personal items and a 1982 old pickup application also Google search, apparently. Ensure they report the payment as promised ; m not sure how anything could have gone to by! Counsel for DCM Services, which can impact your daily life negatively been 4 months since my dad passed went! To the official website and that any information you provide is encrypted and transmitted securely Esq., Counsel DCM... Through the better business Bureau only thing that she was living with my had... Your contact with DCM Services 1-877-326-5171 there was a message on my answering machine DCM. Her card to the disclaimer and privacy policy leading complaint resolution website on process... Know it does n't get easier, I do collectors to get DCM to validate debt.

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