Deceased Case Management Services, LLC (DCM) is a third-party collection agency that focuses exclusively on collecting delinquent accounts from the estates of deceased debtors. DCM has received complaints from consumers alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as failing to verify debts and harassment. If you have been contacted by DCM Services, make sure you know your rights before responding.
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According to the Better Business Bureau (BBB), DCM Services is a legitimate collection agency founded in 2006 and services the Minneapolis-St. Paul metropolitan region. The BBB lists DCM as a collection agency, an insurance company, and an attorney and legal firm. DCM uses Balogh Becker, Ltd. as an alternate business name and maintains an alternate website at www.baloghbecker.com. Buzzfile estimates DCM’s annual revenue at $22 million.
According to its website, DCM is the “only collection agency in the U.S. focused exclusively on deceased accounts,” and they cite this “singular focus [and] precise attention…[as] core to [their] success.” They also cite three reasons for focusing on the estates of deceased individuals:
The ability to eliminate “unnecessary contact with survivors of the deceased account holder”;
The ability to honor “the intentions of the decedent who, while alive, set aside funds…to pay creditors…without bother to survivors”; and
because “claims against probated estates…can liquidate at rates substantially higher than non-probated estates and can represent a significant share of recoveries.”
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. DCM works to recover probate debt from providers of healthcare, financial services, credit unions, and government agencies.
The BBB has closed 15 complaints against DCM Services in the past three years, with 4 closed in the past twelve months. Of these complaints, 6 were closed to the satisfaction of the complainant. Most of the complaints were about advertising or sales issues, but also included complaints about billing and collection and customer service. Since September 2015, the Consumer Financial Protection Bureau (CFPB) has logged 7 complaints against DCM for attempts to collect debts not owed and improper sharing of information. Justia lists at least 4 cases of civil litigation naming DCM Services as a defendant.
DCM Services, LLC
7601 Penn Ave S A600
Minneapolis, MN 55423-3645
Telephone: (612) 243-8620
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely DCM Services would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Complaints filed in federal court
Many complaints against DCM Services result from inappropriate or illegal communication tactics and sharing, disclosure, or access of information. In May 2017, a complainant whose father had passed away, leaving some consumer credit card debt and only a small estate, had contacted the credit card companies to arrange settlement terms. In the meantime, the complainant started receiving weekly calls from DCM demanding account information. 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. Also in January 2016, a complainant whose mother had passed away a year and a half earlier without leaving any unpaid bills received calls from a woman at DCM “who sounded inebriated asking for information concerning [her] deceased mother’s estate.” In November 2015, a complainant received a letter requesting information about the estate of her deceased daughter, who was still alive. 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 mother’s death had not yet been published, and creditors had been directed to contact the court directly.
Federal government agencies such as the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) enforce laws that prohibit certain unethical business practices. Federal laws like the Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) regulate the way in which collection agencies can conduct business.
The FDCPA prohibits activities such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The enforcement action above illustrates how consumer complaints can be a useful tool in ensuring that companies who demonstrate a pattern of unethical or illegal activity are brought to justice.
In addition, these laws provide individuals with a means to seek monetary damages in court. For instance, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs. If you are currently involved in a dispute with a debt collector, seeking legal assistance may help you find relief.
Consumers have reported this agency harassing them from the following numbers:
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
What Our Clients are Saying
“I was almost going nuts receiving calls every afternoon from a person using profane language to push me to pay debts I don’t owe. Someone I trust referred me to Lemberg Law, and I don’t regret having contacted them. The attorneys were very kind and always available when I needed them.”
“Thank you for standing with me Lemberg Law. I was so afraid I could lose my job because of a caller who called my job number 4 hours straight back to back. He not only harassed and threatened me but also abused workmates who received the call when I wasn’t around. Since I solicited for your services, I’ve had a peace of mind, and I’m happy because of the few dollars I got as a settlement.”
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