Dealing with Debt Collections and DCM Services

As you grow older, responsibilities keep piling up, and you might even fall behind on your financial obligation. Most creditors may be lenient with debt collections. Still, when a consumer gets fired from their job or is unable to work, the debt is often forgotten.

Creditors will soon hire third-party collectors to get the payment out of you. Some debt collectors are aggressive and ruthless when asking people to pay. These people might be the ones that keep calling and sending you letters. If you aren’t sure how to deal with DCM Services, then the information below can help you.


Who is DCM Services?

DCM Services or Deceased Case Management Services, LLC is a third-party agency that collects debt for creditors. The agency’s headquarters are in Minneapolis, Minnesota, United States, with over 100 to 249 employees. They have a revenue of $25.9 million. DCM Services focuses on delinquent accounts from the estates of deceased debtors, hence the name.

Are they Scamming me?

Better Business Bureau (BBB) certified DCM Services; hence it is a legitimate collection agency, insurance company, and legal firm. Although, there’s no doubt that there are some scammers today who would use collection agencies’ names in your credit report. To determine if you’re being scammed, ask for proof from the agency.

Who do they offer their services to?

DCM offers its service to probate debt from different financial services, government agencies, healthcare providers, and credit unions.

Complaints made by Consumers towards DCM Services

Deceased Case Management Services, LLC has received over 26 complaints with Better Business Bureau and 62 complaints with the Consumer Financial Protection Bureau’s help.

Most of the consumers’ complaints are how these collectors pursue them with inaccurate information, harassment by the debt collectors, and lack of response to their debt verification requests. If you find yourself experiencing the same thing, you may file a complaint against the company.

Source: US News Money

Should I pay or contact the agency?

The best way to deal with DCM Services is to contact a credit repair service like Crediful. Click Here to know more on how to deal with DCM Services. Crediful has successfully removed millions of negative items in their client’s credit report nationwide. Additionally, contacting the company by yourself can cause more harm than good as it can reset the clock of your debt.

Can the company sue me?

When a collection agency makes empty threats that their company will sue you or garnish your wages, know that this is illegal by federal law, it is unlikely that DSM Services is suing you for a debt that you do not owe.

However, debt collectors can and are known to summon debtors to court to garnish consumer’s wages for taking too long to resolve a debt. DSM Services can garnish your wages if a judgment has been reached. Contact a professional before this happens to prevent further damages.


Can the collections account by DCM Services be deleted from my credit report?

You can remove a collection account from your credit report by following these four steps:

  • Validate the Debt

When requested, a debt collection agency must prove and validate debts if they are pursuing a consumer under the section 809 Fair Debt Collection Practices Act. A keynote to remember is you may only do this from the first time the collection agency contacted you. If DCM Services fails to provide proof, you can request the company to delete the account from your credit report.

  • Disputing the Collection

After requesting a debt validation to the agency, you can now compare the information that DCM Services and your previous finances match. If it doesn’t, you can send inaccurate information to the three major credit reporting agencies. These three are Equifax, TransUnion, and Experian. If you request a copy of your credit report, you can get it free from these agencies.

Source: CallMiner
  • Request a Goodwill Deletion to DCM Services

After paying for the debt or even regular on-time payments, you can now ask the collections agency for a goodwill deletion. You may do this by mailing them a goodwill letter that explains your situation. The letter’s content should include why it took you so long to pay the debt and how a bad credit collection in your report can ruin your plans.

If you explained well and are on good terms with the agency, they might grant you a goodwill deletion. Collection companies often delete the collection from consumer’s accounts if a personal emergency or a technical error happened. If you’re troubled that the company might not delete the collection, know it never hurts to ask. Take the risk, rather than paying to remove the collection. You’ll never know unless you try.

  • Negotiate a Pay-for-Delete Agreement

When the original creditor couldn’t make you pay your debt, they will sell your debt to a debt collection agency. They will bear the responsibility to collect the payment. Although an agency purchases your debt, it didn’t get the total cost, only a fraction of the original amount. So if the agency can make you pay for the actual amount, it makes a profit. You can negotiate to pay only 30% of your original debt in writing.

Source: Medium


Getting consistent calls from DCM Services is annoying, but you should not procrastinate dealing with a collection account. Debt collectors take advantage of consumers ignoring these calls since they can sue you.

Always remember to conduct conversations with the agency through letters or emails. It will give DCM Services the liability to go through with their promises. Also, it would be better if a professional was advising you every step of the way. Lastly, don’t be afraid to exercise your rights and to ask. It’s better to ask the agency than to wonder what would happen if you just asked.