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Remove DCM Services from your credit report and protect your credit in a few easy steps.

With good credit, you can save hundreds or even thousands of dollars in interest over your lifetime.

So if you notice a debt collection company like DCM Services LLC has damaged your credit, know that you can remove their bad remarks and keep more of your hard-earned money in your pocket.

Keep reading to find out how. 

What is DCM Services?

Headquartered in Minneapolis, Minnesota, DCM Services MN is a third-party debt collection agency that’s been around since 1999. They attempt to collect a variety of debts including medical debt, financial debt, and government debt.

Unlike other debt collection companies, dealing with DCM Services focuses on collecting the debt of people who have passed away. That’s why their full name is Deceased Case Management Services.

Their website states they’re the “only collection agency in the U.S. focused exclusively on deceased person’s accounts.”

Watch Out for DCM Services LLC

DCM Services is a legitimate company. But that doesn’t mean they’re harmless. If you do a quick Google search for “DCM Services complaints,” you can read about some of their shady tactics. 

They have been known to make obnoxious phone calls and send intimidating letters regarding the alleged debt of deceased family members.

It can be terrible to get one of these, especially if you’ve recently lost a loved one. The last thing you want to deal with is a debt collection company like DCM. 

In 2017, there was a class action lawsuit against DCM Services Minneapolis MN. A customer was harassed by the agency to pay her deceased husband’s medical debt.

The lawsuit revolved around the fact that the debt collection agency attempts to capitalize on death by contacting family members and asking them to pay off debt, even when they’re not legally responsible for it. 

Keep in mind that unless you were a co-signer on the debt, you’re off the hook for the debt they claim you owe. The lender, creditor, or collection agency can go through the probate court to collect the payment.

Get to Know Your Rights

There are laws in place to protect you from DCM Services Minneapolis Minnesota and other debt collection companies who engage in unethical practices.

Under The Fair Debt Collection Practices Act or FDCPA, DCM Services:

  • Doesn’t have the right to threaten or harass you.
  • Can only call you between 8:00 a.m. and 9:00 p.m in your time zone, not theirs. 
  • Is required to send you documentation that shows you’re legally responsible for the debt.
  • Can’t arrest you or throw you in jail.
  • Can’t send you letters that look like they’re from the court or government.
  • Can’t tell you they’ll take money out of your paycheck to cover your debt unless they really plan to do so.

What to Do If DCM Services Contacts You

If Deceased Case Management Services bugs you via phone or letter, don’t just take out your credit card and pay them. Instead, follow these steps.

📰 New Federal debt collection regulations will take effect on Nov. 29, 2021. The new rules will have a far-reaching impact on the debt collection industry. If you have delinquent debts or accounts in collection these rules will affect you.
Learn more about Regulation F and what will it mean for consumers with debts.

Ask DCM Services for a Debt Verification

To get a debt verification, you will need to send a letter to DCM Services LLC and ask them to verify that you are in fact liable for the debt.

Make sure you send it via certified mail and request a return receipt. This way there won’t be any question about whether or not they got it. 

DCM Services LLC Minneapolis MN will have 30 days to show that the creditor or lender has authorized them to collect on the debt of your deceased family member.

If they don’t get back to you within this time period, don’t worry about owing them any money. Here’s their address: 7601 Penn Ave S, Minneapolis, MN 55423.

Check Statute of Limitations

Statute of limitations is the amount of time a creditor or lender can take before they ask the court to collect debt from you.

If DCM Services confirms you owe the debt, check the statute of limitations in your state.

In the event it’s expired and the company can’t collect debt from you,  DCM Services can’t win a court judgement against you.

Negotiate a Settlement with DCM Services

If DCM Services validates your debt and it’s within the statute of limitations, it’s a good idea to negotiate with them and pay off less than the full balance.

While this may seem like an annoying process, it’ll save you money and headaches in the future.

Consider asking for a pay for delete agreement where upon acceptance of your offer and payment they will delete all of their negative reports from your credit record. 

Make sure they put the settlement agreement in writing and send you a copy. Once they get your payment, ask DCM Services to take the debt off your credit report.

If they’re being a pain and unwilling to work with you, reach out directly to the lender or creditor to negotiate. 

You’re Not Stuck

When you get a phone call and letter from Deceased Case Management Services, know that you have options. You don’t have to sit back and let them ruin your credit.

Follow the steps in this article and get them off your credit report ASAP.

By doing so, you can increase your credit score by as much as 150 points and more importantly, save a ton of money down the road.