Although he had sizable assets, everything was in a Revocable Living Trust so legally there is no “estate”. I needed to have everything in writing for the estate records. We hired an estate attorney shortly before my father passed away and he was very helpful in explaining exactly why I’m under no legal obligation to pay anything to anyone, so long as I leave my father’s old checking account alone. Thanks for the great informative blog. DCM services is a completely fraudulent company WATCH OUT if they call you after a loved one dies!!! That card was closed with his bank and left a zero balance. It sets clear boundaries for how and when debt collectors can contact you and requires them to provide adequate proof with their collection attempts. My Dad died three months ago, and my responsible mother after finding out my Dad had a credit card, called and told them he died, to cancel the card. He had MANY credit cards open because the person who lived with him up until 2006 (2 years before his death) was stealing from him and opening lines of credit under his name. What I got instead was notification from a collection agency: DCM Services out of the Twin Cities. Company status Dissolved Dissolved on 8 January 2019. With years of specialist experience, we provide savings management solutions for private clients, attorneys and deputies, charities, academies and businesses alike. Doing so will give you documentation of all of your discussions with the agency and could streamline the process of getting them off your credit report. the Spouse is NOT always liable. But I was the only child dealing with my dad’s death at a relatively young age while also trying to handle his Estate and work a full-time job. My dad froze to death of the front porch of his home in Jan 2014. I surely will NOT respond to these idiots at dcm. Machine version upgrades. His credit card by another company was handled internally and not transferred to another agency so I had no reason to assume otherwise. They know how to have it removed, or shove it so far back in google searches that the average person doing a search who only looks at the first few search pages won’t find anything on them. I Googled ‘dcm services,’ found this useful blog post, and figured I’d share some info that people might find helpful. Looking for some advice on DCM Services. While you may dread responding to DCM Services, you have to in order to improve your credit. It also allows you to halt the agency’s calls. The spouse is Liable. I called them and got perhaps the coldest, meanest woman to ever walk the earth on the end of the line. Keep up by using a credit monitoring service. You must get the agency to agree in writing to have their entry removed when you make a satisfactory payment. Preventive maintenance. She owed approx 2k to HSBC. CONTACT US Call 800-504-7103. Accounts. 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. Talk to us about the ideas you have for your garden, and we will transform those ideas into reality. Established in 2010, Dynamic Cash Management was the first service of its kind in the UK. When a debt enters the collections stage, a collections entry is added to the consumer’s credit report, or in this case, to the beneficiary of the deceased’s estate. Thank you very much, DCM for the scam notification! This also applies to the spouse of the deceased. Many consumers turn to credit repair companies, trusting them to do the heavy lifting. So as my wife said, we offered them a 20% settlement on my father’s AMEX debt. She had no money (we closed out her bank accounts) and owned nothing (the house had long ago been transferred to the childrens names). Contact Us. Credit repair specialists will take a look at your entire credit report, analyzing it for inaccuracies and pinpointing the biggest issues on it. As I said in my original post, our situation was somewhat unique in that I’m an only child and nearly every penny (except the above-mentioned bank account) of my father’s assets passed directly to me (and no one else) and bypassed probate. DCM Services does not offer language access services. Collections agencies often purchase debts from businesses at a majorly discounted price. Also, we have never been late on any payment and our credit is stellar. Add to that the fact that my father only had ONE outstanding debt when he passed away (AMEX). Trying to tell me the estate I manage owes money on a credit card that’s already been paid while NEVER filing an official claim with probate court. . I just received a letter that I have an estate, and I do not have an estate and, Yes I am still living.