đź’° Solo's Debt Payoff Giveaway — Enter for a chance to win up to $4,700 to pay off your debt! 🎉                      đź’° Solo's Debt Payoff Giveaway — Enter for a chance to win up to $4,700 to pay off your debt! 🎉                      đź’° Solo's Debt Payoff Giveaway — Enter for a chance to win up to $4,700 to pay off your debt! 🎉
Start My Answer
loading...

How to Settle Debt With DCM Services

George Simons | January 29, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: DCM Services collects debt owed by people who have passed away. If you've been contacted by DCM Services about a family member's old debt, Solo can help you respond at any stage of the collection process.

Have you received multiple calls and voicemails from DCM Services? If so, it is probably because a deceased loved one had an unpaid debt with them. You may be feeling anxious or nervous about responding to DCM Services. Do not fret. You can take proactive steps to engage with DCM Services to resolve your loved one’s debt issue.

Settle debt with DCM Services

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

Settle with SoloSettle

What is DCM Services?

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. DCM's primary purpose is to collect an overdue debt from you, even though it is not directly yours.

DCM is a legitimate, average-sized debt collection agency founded in 2006 with its headquarters in Minneapolis, MN. It is also known as Balogh Becker Ltd or Deceased Case Management Services. Below is the DCM Services phone number and other contact information:

  • Phone: 877-326-8786
  • Address: 1550 American Blvd E Suite 200, Bloomington, MN 55425
  • Email: info@dcmservices.com

Who does DCM Services collect for?

DCM Services collects for companies in the following industries: credit card, auto loans, banks, retail, and telecommunications.

Know your consumer rights before dealing with DCM Services

DCM services use agents to make calls and send emails to prompt you into paying the debt of a deceased loved one. 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:

  • Calling you multiple times a day.
  • Contacting you at unauthorized hours—before 8 a.m. and after 9 p.m.
  • Threatening you with arrest.
  • Lying to you or giving misleading information.
  • Using abusive language or mistreating you.

If you are a victim of any of these actions, you're not alone. In fact, many consumers have reported DCM Services for violations of the FDCPA, and others have submitted online complaints to fight back.

Read DCM Services reviews online

If you’re looking to gain insight on what other people have said about their experience engaging with DCM Services on debt issues, then take some time to check out the online reviews on Better Business Bureau or the CFPB consumer database.

Objectively speaking, the online reviews of DCM Services are not all five stars. Nevertheless, the mixed reviews should not serve as a hindrance to you taking steps to engage with the DCM Services. Many debt collectors, including DCM Services, are willing to work with people to reach a resolution on a debt collection matter.

How to respond to DCM Services

Do not be intimidated by the size of the company or the confidence the DCM agents have when they contact you. Consumer law protects you from debt collectors, and you can legally respond to them in the following ways.

  • Send a debt validation letter.
  • Dispute the debt with the credit bureaus.
  • Negotiate a reduced payment plan.

Now, let's break these options down a little further.

Send a debt validation letter to DCM Services

The next time you receive a call or email from DCM Services, request that they verify that the debt belongs to your deceased loved one. You implement this by sending a legally-binding debt validation letter that asks them for more information about the creditor and a further breakdown of the debt.

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. The FDCPA law stipulates that the consumer should send the debt validation letter within 30 days of being contacted by a debt collector.

Dispute the debt with the credit bureaus

If you find discrepancies in the validation notice from DCM Services, send a dispute letter to TransUnion, Equifax, and Experian. Attach any documents that support the errors. The credit bureaus will investigate with DCM Services and either remove or correct the debt on your credit report.

Negotiate a reduced payment with DCM Services

Ideally, when a person dies, the law allows debt collectors to get their money from their estate. If a balance remains, it should be paid by the immediate family members.

At this point, you can negotiate with DCM services to allow you to pay less than the original amount. 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. If you are convincing, you may even get the debt reduced by 50%.

Let's consider an example.

Example: Selena finds out that DCM Services is suing her for a debt that her mother owed before passing away last year. Selena finds out that DCM Services purchased the debt from a credit card company for pennies on the dollar. She uses SoloSettle and gets DCM Services to reduce the debt by 40%. Selena is able to pay the reduced amount and get DCM Services off her back.


In addition, you can request that they delete the debt from your credit report once you pay most or all of the remaining amount. Get the settlement agreement in writing and wait for 30 days after paying the debt before checking your credit report to confirm the changes.

Start the settlement negotiation process by sending an offer for free with SoloSettle.

Settle with SoloSettle

Make an Offer

What if DCM Services is suing me?

Do not panic when you receive a lawsuit letter from DCM Services. The first step to winning a debt lawsuit is to respond. You can represent yourself and respond to the debt lawsuit with SoloSuit's free Answer form. The form includes a section for you to reply to each claim listed against you in the Complaint document from DCM Services. It also allows you to assert your affirmative defenses, or any legal reasons that DCM's case is invalid. Finally, SoloSuit can also file the Answer on your behalf in all 50 states.

You must submit your Answer to the court within 14–35 days after receiving the lawsuit, depending on which state you live in. Representing yourself will help you save the money and stress of finding a lawyer. Check out this video to learn about three steps to take to respond to a debt lawsuit against DCM Services:

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

Other wage garnishment resources

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

How to repair and improve your credit score

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt.

How to resolve student loan debt

Struggling with student debt? SoloSuit’s got you covered. Below are resources on handling student loan debt.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources

Contents