Who is DCM Services, LLC?
DCM Services, LLC, also known as Deceased Case Management Services, is a prominent debt collection agency based in Minneapolis, Minnesota. They collaborate with organizations to recover debts and fulfill financial obligations.
If you have an unpaid bill and it goes to collections, it is likely to show up on your credit report.
Who does DCM Services collect for?
DCM Services collects debts for auto lenders, financial services, and healthcare organizations. They specialize in collecting debts from family members of those who have passed away.
Is DCM Services legit or a scam?
DCM Services is a legitimate debt collection company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove DCM Services from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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DCM Services, LLC Contact Information
Address:
DCM Services, LLC
7601 Penn Ave S A600
Minneapolis, MN 55423
Phone number: (877) 326-8786 or (612) 243-8620
Should I contact or pay DCM, LLC Services?
Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with a debt collector is to work with a credit repair professional. They help remove millions of negative items every year from companies like DCM Services, LLC on behalf of their clients.
Will DCM Services, LLC sue me or garnish my wages?
DCM Services, LLC, like any debt collection agency, has the legal right to sue for an unpaid debt. If they win a judgment against you in court, they might be able to garnish your wages or bank account, or put a lien on your property depending on your state laws. However, this is often a last resort, and many debt collection agencies would prefer to set up a payment plan with you to repay the debt.
Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.
DCM Services, LLC Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with DCM Services, you should also consider filing a complaint.
You can file a complaint on the Consumer Financial Protection Bureau website or by calling them toll-free at (855) 411-2372. You can also file a complaint on the Better Business Bureau website.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with DCM Services, LLC
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for DCM Services, LLC to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- DCM Services, LLC cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- DCM Services, LLC must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- DCM Services, LLC cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove DCM Services From Your Credit Report Today!
Credit Saint offers assistance with disputing DCM Services accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
