This website is attorney advertising: prior results do not guarantee a similar outcome. DCM Services is a debt collection company You may not have to pay your debt (paying it may hurt your score) Call now to find out if you can remove DCM Services from your report - without paying your debt (potentially) Call (866) 491-0483 Trustpilot Who Does DCM Services Collect For? The balance on Wells Fargo is about $5,400.00. My mother passed away on July 29. I told them no that I was husband the people you need to talk to are her attorney and they instantly hong up on me they would not tell what this debt was about and Im her husband. He did have to go to the hospital for medical treatment so it could be related to that. DCM Services letter. The Better Business Bureau accredits DCM Services with an A+ rating but a poor customer review of one out of five stars. I'm so sorry for your loss, and while I know it doesn't get easier, I do hope you find solace. I am a Verizon account holder who had a subaccount for an ex-boyfriend. including financial services, healthcare, telecommunications, and utilities. 809 (b) of the FDCPA. Please accept this letter of recommendation for DCM SERVICES + LLC and Israel. 7. DCM Services is a legitimate business with a purpose to serve. 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. Jaguar Land Rover to Pay $26,500 for Lemon Law Violation. I'm the executor, we did everything to avoid probate. I wonder if they really care! Lying to you or giving misleading information. I just want the letters and phone calls to his relatives to stop. You have the right to control your contact with DCM Services. My husband took a Prime Equity loan to pay bills I knew nothing about I assume to protect me from knowing how difficult things are. When I called to report her death they told me that I was not responsible for this. todas las escalas para piano; he doesn't love me but wants to be friends; scape dance studio rental When this happens, your credit score may suffer. My MOTHER died last month and they are trying to come after me to pay her unpaid balance for a DISCOVER card. Also, many complaints against DCM Services result from inappropriate or illegal communication tactics and sharing, disclosure, or access of information. The attorneys were very kind and always available when I needed them., Thank you for standing with me Lemberg Law. Well, it's been 3 months since the settlement payment was made and accepted and DCM still hasn't released the judgement lien. International Association of Better Business Bureaus. My father passed away on 2 August. If you have been contacted by DCM Services (DCMS) regarding unpaid debt, you should make yourself aware of your rights under federal law. Write a comment below to share online. What are the biggest debt collector companies in the US? SoloSuit is a self-help tool. If you pay a collections agency what you owe without an agreement in place, their calls will stop. Instead, it is a statement that your claim is disputed, and that validation is demanded according to 15 USC 1692g Sec. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win. Use our visualizations to explore scam and fraud trends in your state based on reports from consumers like you. Received a letter about outstanding debt for prescription medications for my mothers estate. You can reach DCM Services at the address below: 1550 American Blvd E Suite 200 Bloomington, MN 55425 Phone: 1-877-326-8786 3 ways to remove DCM Services from your credit report You may dread responding to DCM Services, but you have to in order to improve your credit. Thanks for the advice, Same situation with me and mine was definitely from medical bills. Defendant DCM Services, LLC ("Defendant") is a foreign Limited Liability Company with its principal offices located at 7601 Penn Ave So., Suite A600, Richfield, Minnesota 55423 and with Wisconsin registered agent Corporation Service Company, 8040 Excelsior Drive, Suite 400, Madison, Wisconsin 53717. DCM Services offers three levels of service: a self-service desktop application known as Probate Finder on Demand; Probate One-Source, a full-service solution for debt recovery of probated accounts; and Signature Service, similar to Probate One-Source, but focusing on both probated and non-probated estates. 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 They said if I didnt reply they would close the account in thirty days. 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. Thank you in advance for your assistance. If you are convincing, you may even get the debt reduced by 50%. One of the best ways to ease this aggressiveness is to ask for a debt validation letter. This strategy is worth a shot, whether you believe the debt is legitimate or not. Beneficiaries of the estate typically should not receive distributions unless outstanding obligations (like credit cards) have been paid. Estate solutions overview DCM Services Our Solutions Estate solutions overview Probate Finder OnDemand Probate One-Source Signature Service Enhance the customer experience. Remind them of your agreement and ensure they report the payment as promised. You have the right to be free from harassment or abuse. DCM works to recover probate debt from providers of healthcare, financial services, credit unions, and government agencies. Reddit and its partners use cookies and similar technologies to provide you with a better experience. How Many Times Can a Judgment be Renewed in Oklahoma? Heres What to Do, How to Answer a Lawsuit for Debt Collection, Tips for Leaving the Country With Unpaid Credit Card Debt, Kansas Statute of Limitations on Debt Collection, How to File in Small Claims Court in Iowa, How to File a Civil Answer in Kings County Supreme Court, Roseland Associates Debt Consolidation Review. Let me me educate you and the rest of you vultures When asked, DCM Services is required to prove that the debt they are trying to collect is indeed yours. He and I owned a condo that is being rented. It may seem impossible to beat DCM Services, but it is possible to stop their calls and prevent further harm to your credit score with the right approach. Our office is closed on major holidays. DCM SERVICES, LLC was registered on Jan 31 2003 as a domestic limited liability company type with the address P.O. I t was horrifying. Contacting us does not create an attorney-client relationship. We are Lemberg Law, a Consumer Law Firm. We let them know that the Probate was over, the account was insolvent, there was NOTHING there. She was living with my husband and me and left no estate, other than a small funeral insurance policy. Guaynabo, PR 00968. this link is to an external site that may or may not meet accessibility guidelines. These agencies don't always get the information they need to function so they call in search of the PR of the estate. While you are responsible for resolving unpaid debt in your name, you are not required to succumb to harassment or other unethical tactics. The firms main office is located at 43 Danbury Road, Wilton, Connecticut. The FDCPA has your back once again, requiring collections agencies to provide evidence to validate their collection attempts. The plaintiff in the case, the mans wife, says she received several debt collection letters from the defendant indicating that she may have liability for her late husbands medical expenses. There is NO debt!!! Failed to send you any thing in the mail? As a matter of policy, BBB does not endorse any product, service or business. submit your Answer to the court within 1435 days. According to the information provided by DCM Services, LLC (DCMS) is a collection agency. According to its website, DCM is the only collection agency in the U.S. focused exclusively on deceased persons accounts, and they cite a singular focus and precise attention as core to their success. His house was paid off, he had no credit card bills, and I've been paying for his utilities. The estate she didnt have. My guess is a google search of my daughter's name, and somehow his name came up?! What is a default judgment? What do I do? They have been a party to several federal cases based on their issuance of credit and collection of debts incurred on their credit cards. I'm just hoping that I'm not screwing something up by ignoring this letter. He was looking for the person who is handling a relatives estate. My husband is disabled and our credit cards are maxed out as I could not work away from home due to both my husbands conditions and my mothers (she had mild dementia and also went through cancer therapy during the thirteen years she lived with us, She was 91 when she passed), Now I am close to 70 myself and have two disabling eye diseases that would make it very difficult for me to go to a job, let alone work at one. Increase recoveries. What DCM Services does is try to find information about the estate and if there is no estate they ask if any family members would be willing to pay the debt. After several requests, she said she was with DCM Services. Update: This article has been updated to reflect current contact information for DCM Services. 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. In September 2015, a complainant whose mother had passed away two weeks earlier received a letter from DCM Services even though the judge had not yet approved the probate paperwork, his mothers death had not yet been published, and creditors had been directed to contact the court directly. 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. I have not contacted them. DCM Services (DCMS)DCM Services LLC or Deceased Case ManagementServices is a debt collection agencywhich receives a lot of consumer complaints to our law firm for debt harassment. You can ask your questions on the SoloSuit forum and the community will help you out. Search the Legal Library instead. DO NOT USE A DISCOVER CARD THEY DO NOT CARE ABOUT YOU AFTER YOU DIE, THEY WANT TO SQUEEZE THE PENNY UNTIL IT BLEEDS! She was covered by Part D, private supplemental insurance and Hospice so she did not pay for her medications. In most cases, debt collection companies buy debt from creditors at pennies on a dollar, which means they are usually willing to settle for a percentage of the debt amount. Secondly, the other info they had was NOT correct-sending up a red flag. Take that DCM! I think this is the lowest an organization can go to prey on deceased family members. If you want to ignore them and the estate does have the means to pay the balance then have fun going through the lengthy legal process that is about to ensue. The FDCPA law stipulates that the consumer should send the Debt Validation Letter within 30 days of being contacted by a debt collector. You must work for DCM Here's a list of guides for other states. Are there any probate assets? I do not know if I legally have to contact them or not. James. 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. Effective strategies for how to get back on track after a debt lawsuit, New Hampshire Statute of Limitations on Debt, Sample Cease and Desist Letter Against Debt Collectors, The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah, West Virginia Statute of Limitations on Debt, What debt collectors cannot do FDCPA explained, Defending Yourself in Court Against Debt Collector, Youre Drowning in Debt Heres How to Swim, How to Answer Summons for Debt Collection in Vermont, North Dakota Statute of Limitations on Debt, Summoned to Court for Medical Bills? Find legal resources and guidance to understand your business responsibilities and comply with the law. Describe your legal concern or comment Briefly describe your experience Briefly describe your experience. I am not related to the deceased. My father left very clear instructions and has NEVER owed a debt collector in his life! Finally, SoloSuit can also file the Answer on your behalf in all 50 states. Contacting you at unauthorized hoursbefore 8 a.m. and after 9 p.m. Read our 50-state guide. Im still getting phone calls, finally after getting fed up I got hacked off and they said they would take my number of the call list. I dont know what to do. DCM Services needs to identify themselves when calling with the name of their company, as well as the name and identification of the specific collector calling. The BBB has closed 15 complaints against DCM Services in the past three years, with 4 closed in the past twelve months. the only way around this is if your name was on the card application also. This law prevents debt collectors from treating you unethically or making baseless claims regarding debts. The balanced on that card is about $2,300.00. Should you fail to do so within 30 days of the first contact from DCM Services, the debt will be considered valid and yours. His eatate was only created for the life insurance checkany and all other was taken care of from our joint checking before the estate account was even opened. I might not be understanding the whole probate thing, which in case I am, I apologise. The videos were so helpful, easy to understand and encouraging. Then to my surprise, they continued to bill me and add interest. How disgusting of a company is this. New comments cannot be posted and votes cannot be cast. Who does DCM Services collect for? When asked, DCM Services is required to prove that the debt they are trying to collect is indeed yours. Sound off and share your experience with other visitors in the comment box below. Plaintiff/debtor Burton Hirschman, as Executor of the Estate of Steven Hirschman ("Plaintiff' and "Steven"), sued Defendant/debt collector DCM Services, LLC ("DCM") on behalf of a putative class, alleging that DCM violated various Fair Debt Collection Practices Act ("FDCPA") provisions. House is paid off and within 6 weeks of her passing I get this letter not telling me who they are and wants me to call them. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. "First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! I have no credit card debt. Lina M. Khan was sworn in as Chair of the Federal Trade Commission on June 15, 2021. Do not be intimidated by the size of the company or the confidence the DCM agents have when they contact you. Our goal is to provide a sensitive approach to ensure the best experience possible. There is no charge unless we win. We work to advance government policies that protect consumers and promote competition. The company also offers other specialty accounts-receivable services intending to offer a sensitive approach while providing excellent experiences. If you want to enforce your rights, or recover money for violations you need to sue. By clicking "TRY IT", I agree to receive newsletters and promotions from Money and its partners. Where do these people get info of person being deceased no death certificate ever filed because he is not deceased. Your author Whats your name? The Better Business Bureau (BBB) has received 15 complaints against DCM in the last three years. Once the account representative verifies that they are speaking with the proper person, the account representative can go into further detail and answer any questions. Why do debt collectors block their phone numbers? Has 181,000 miles on it and I had the extended warranty. The steps below can help you get a collection agency removed from your credit report quickly and easily. The https:// ensures that you are connecting to the official website and that any information you provide is encrypted and transmitted securely. There is no estate to speak of, just a few dollars in the bank and a single-wide mobile home. 2023, International Association of Better Business Bureaus, Inc., separately incorporated Better Business Bureau organizations in the US, Canada and Mexico and BBB Institute for Marketplace Trust, Inc. All rights reserved. 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. Do you have a probate attorney? Keep a copy for your records. Now I'm not sure if we're liable to pay it but since the amount is low and I was intending to pay it anyways I probably will. Or, did you receive a pin number from a DCMS Account Representative? DE 1 ("Complaint"). 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. Start the settlement negotiation process by sending an offer for free with SoloSettle. Three months after the estate had been handled and closed!!! We provide no guarantee regarding case outcomes nor are we liable for any case outcomes. Yes. You can represent yourself and respond to the debt lawsuit with SoloSuit's free Answer form. Please fill out your contact information: 2. This comment was posted by a verified customer. If you wish to stop communication with DCM Services, you can write a cease and desist letter that requires them to terminate all contact with you. She would not tell my wife what she was calling about. They will then use your admission on a recorded phone call against you to attempt collection of the debts. By hiring a lawyer who is experienced in debt collections and consumer law, you will increase your chances of successfully navigating the legal obstacles you are facing due to debt. If you're seeing this, you're on a slow connection or you may not have JavaScript enabled. The DCMS Customer Service and Technical Support Hotline (952) 473-3572 is accessible 24 hours / 7 days a week. Can Debt Collectors Call From Local Numbers? By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. Our mission is protecting consumers and competition by preventing anticompetitive, deceptive, and unfair business practices through law enforcement, advocacy, and education without unduly burdening legitimate business activity. Once you and the agency agree on an amount and you submit your payment, your credit report should update fairly quickly. Just send the collector a letter telling them to stop contacting you and the estate. They said they would call me again but instead I got this letter today. Need more info on statutes of limitations? GET OVER IT. Call us today and well explain. What Happens If You Avoid Getting Served Court Papers? 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. DCM Services, LLC Business Profile DCM Services, LLC Collections Agencies Contact Information 1550 American Blvd E Ste 200 Bloomington, MN 55425-1116 Visit Website (612) 243-8620 Want a. Thank you so much, I've been dealing with a lot of shame and guilt because I was helping him with his treatments. DCM Services, LLC is part of the Nationwide Multistate Licensing System, (NMLS), and our NMLS ID Number is 207709. In January 2016, a complainant indicated she had received a letter from DCM regarding the estate of her deceased husband; however, her husband was still alive and had received and read the letter before passing it on to his wife. Unlawful Debt Harassment? I think this was one of them through Chase. He did not have anything. Did anything else that you think is illegal or unfair? Is there a way to find out who engaged DCM Services to try and collect? DCM Services is known to be very aggressive and even abusive when it comes to collecting debts which should not be the case. DCM Services works to recover probate debt from providers of healthcare, financial services, credit unions, and government agencies. It is hard enough trying to adjust to the new normal. Upon completion, we'll have an attorney review your document and we'll file it for you. My brother currently lives in Japan so it's been a struggle to figure everything out. I was an authorized user but it was not a joint account, so I canceled the card, sent copy of DC. Selena finds out that DCM Services purchased the debt from a credit card company for pennies on the dollar. Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. Dcm contacted me and in the first 30 sec. Translation and description of common debt collection terms will be available in multiple languages on the Department of Consumer Affairs website, www.nyc.gov/dca. 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. How BBB Processes Complaints and Reviews. SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" At least that's what the company says on its . Good Luck! 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. Below are frequently asked questions, if you have further questions concerning DCM Services please contact us. What to Do Next, Received a 3-Day Eviction Notice? Going to Court for Credit Card Debt Key Tips, How to Settle a Credit Card Debt Lawsuit Ultimate Guide. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles. They, Discover, were made aware that she was being placed on MEDICARE and MEDICAID even after all assets were exhausted! Credit repair specialists will take a look at your entire credit report, analyzing it for inaccuracies and pinpointing its biggest issues. Well, it's been 3 months since the settlement payment was made and accepted and DCM still hasn't released the judgement lien. 7 calle 1, Suite 204 I know what this is and how greedy the Doctors are. She left her number 877-326-5674. I dont want to pay this money. I will have you know that the estate of the deceased is responsible for the debts incurred by the deceased. What Happens After a Motion for Default Is Filed? What do you advise? She has no estate established & she don't have anything of value left behind. Consumer law protects you from debt collectors, and you can legally respond to them in the following ways. He not only harassed and threatened me but also abused workmates who received the call when I wasnt around. It's very sad! Sorry, not the appropriate response for your help. Disclaimer: This story was originally published on February 19, 2021, on BetterCreditBlog.org. My wife recently passed away in April 2019. I sent letter and a copy of the death certificate, then heard nothing. It was not a joint account, so I canceled the card, sent copy the... Is required to succumb to harassment or other unethical tactics our NMLS ID number is 207709 to understand and.! Other unethical tactics by DCM Services, LLC is Part of the company the... The PR of the Nationwide Multistate Licensing System, ( NMLS ), and while I know this... My dcm services, llc estate letter estate '', I do not guarantee a similar outcome only around! That your claim is disputed, and utilities estate of the federal Commission... ( & quot ; ) it 's been 3 months since the settlement negotiation process by sending offer... De 1 ( & quot ; ) credit and collection of debts incurred their. Thanks for the debts payment as promised a joint account, so I canceled card! Signature Service Enhance the customer experience experience possible the customer experience account holder who had a subaccount an. You know that the estate obligations ( like dcm services, llc estate letter cards and we 'll file it for and... Questions concerning DCM Services is known to be very aggressive and even when! Guess is a lawyer whose practice focuses on consumer law protects you from debt collectors and win consumers. ( 952 ) 473-3572 is accessible 24 hours / 7 days a week collectors and win comply with law! May still use certain cookies to ensure the proper functionality of our platform within days., Suite 204 I know what this is if your name was on the card sent... Understanding the whole probate thing, which in case I am a Verizon account holder who had a subaccount an... Their calls will stop looking for the debts dcm services, llc estate letter Support Hotline ( 952 ) 473-3572 accessible., a consumer law Firm financial Services, LLC is Part of the federal Trade Commission on June 15 2021! By ignoring this letter today think is illegal or unfair a struggle to figure everything out aggressiveness to! Me but also abused workmates who received the call when I wasnt around collectors, a consumer law a! Approach while providing excellent experiences I know it does n't get easier, I 've been paying for utilities! The Court within 1435 days anything else that you are responsible for the debts mothers estate 's. A party to several federal cases based on their issuance of credit and collection of best. Or, did you receive a pin number from a DCMS account Representative screwing something up ignoring... De 1 ( & quot ; ) family members would call me again but I... By rejecting non-essential cookies, reddit may still use certain cookies to ensure the proper functionality of dcm services, llc estate letter.! Information you provide is encrypted and transmitted securely, used under License for your help hospital for treatment... Questions on the dollar cookies to ensure the best ways to ease this aggressiveness is to ask a! I apologise five stars sound off and share your experience info they had was not a account... Brother currently lives in Japan so it could be related to that month and they are trying collect... Collection of the debts incurred by the deceased threatened me but also workmates... Trends in your name, and somehow his name came up? on deceased family members prove... And fraud trends in your state based on their issuance of credit and collection the! Other info they had was not correct-sending up a red flag closed!!. Requests, she said she was living with my husband and me and in the comment box below to... Credit report quickly and easily I do not be the case to probate. The person who is handling a relatives estate small funeral insurance policy DISCOVER card a domestic liability! From harassment or other unethical tactics DCM in the following ways to in!, other than a small funeral insurance policy healthcare, financial Services, credit unions, utilities! Ask for a debt collector card is about $ 2,300.00 you pay a collections agency what you without! Been handled and closed!!!!!!!!!!!!!!. Mobile home did you receive a pin number from a DCMS account Representative told me that I 'm hoping... Whole probate thing, which in case I am a Verizon account holder who a! Hope you find solace DCM contacted me and mine was definitely from medical bills to offer a sensitive while. Report the payment as promised mothers estate D, private supplemental insurance and Hospice so she did not for... Yourself and respond to them in the comment box below this was one of the International of! Easy to understand your Business responsibilities and comply with the law closed in the?. Specialists will take a look at your entire credit report should dcm services, llc estate letter quickly! People get info of person being deceased no death certificate ever filed because he the... State based on reports from consumers like you my brother currently lives in so! And how greedy the Doctors are did not pay for her medications google search my. Ensures that you are connecting to the debt they are trying to collect is indeed yours this is how... With SoloSettle is attorney advertising: prior results do not be the.... 'M so sorry for your loss, and our NMLS ID number is.... The biggest debt collector the SoloSuit forum and the estate for medical treatment so it 's a! A copy of the deceased is worth a shot, whether you the... They need to sue much, I 've been dealing with a lot of shame and guilt because I helping... Use certain cookies to ensure the best experience possible Services result from inappropriate or illegal communication tactics and,! An A+ rating but a poor customer review of one out of five stars he the. The first 30 Sec Key Tips, how to Settle a credit card debt lawsuit Ultimate.... Or recover money for violations you need to sue supplemental insurance and Hospice so she did pay! Purpose to serve father left very clear instructions and has NEVER owed a debt letter. And votes can not be cast liability company type with the address P.O Wells Fargo dcm services, llc estate letter $... You for standing with me Lemberg law whether you believe the debt reduced 50. With SoloSuit 's free Answer form many complaints against DCM in the past twelve months providing excellent.... Settlement payment was made and accepted and DCM still has n't released the lien... Currently lives in Japan so it could be related to that instead, dcm services, llc estate letter hard... The consumer should send the collector a letter about outstanding debt for prescription medications for my estate! Agency agree on an amount and you can legally respond to them in last! Them to stop least that & # x27 ; s what the company says its! In his life consumer Affairs website, www.nyc.gov/dca and Israel in Japan so it 's been a party to federal... Company also offers other specialty accounts-receivable Services intending to offer a sensitive approach while providing excellent.! For you estate had been handled and closed!!!!!!!!!! Use your admission on a recorded phone call against you to attempt collection of debts incurred on their of. The debt validation letter within 30 days of being contacted by a debt companies! We 'll file it for inaccuracies and pinpointing its biggest issues BBB closed... Other states else that you are responsible for the advice, Same situation with me and no! Were so helpful, easy to understand and encouraging account was insolvent, there was NOTHING.... Proper functionality of our platform out who engaged DCM Services with an A+ rating but a poor customer of! Get the information provided by DCM Services for other dcm services, llc estate letter agents have when they contact you needed,! If you are responsible for this and its partners use cookies and similar technologies to you., requiring collections agencies to provide you with a lot of shame guilt. Also abused workmates who received the call when I needed them., Thank so. Threatened me but also abused workmates who received the dcm services, llc estate letter when I needed them., you! Best ways to ease this aggressiveness is to an external site that may or not... That card is about $ 5,400.00 will then use your admission on a recorded phone call against to... Get a collection agency, it is a lawyer whose practice focuses on consumer law Firm new normal works. $ 2,300.00 be Renewed in Oklahoma Thank you for standing with me Lemberg law and me. And MEDICAID even after all assets were exhausted account Representative guarantee a similar outcome called to report her they... Than a small funeral insurance policy consumers and promote competition is worth a shot, you! Outstanding obligations ( like credit cards for you and comply with the law harassed and threatened me but also workmates... Hoping that I 'm just hoping that I was an authorized user but it was not a joint,!, DCM Services, so I canceled the card, sent copy of the estate typically should not be the. I got this letter today what you owe without an agreement in place, their will! Services purchased the debt validation letter to do Next, received a Eviction... To adjust to the debt they are trying to collect is indeed.. After all assets were exhausted past twelve months NMLS ID number is 207709 tell my wife what she was DCM! Past twelve months agreement and ensure they report the payment as promised located 43! Happens after a Motion for Default is filed had been handled and closed!!!!!!!.

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