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?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
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In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
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DCM Services, LLC Contact Information
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?
It’s best to avoid speaking to a debt collector on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
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
Most collection agencies have numerous complaints filed against them 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with DCM Services, LLC
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- DCM Services, LLC may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- DCM Services, LLC must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- DCM Services, LLC cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove DCM Services From Your Credit Report Today!
Credit Saint can assist you in disputing DCM Services accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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