DCM Services is a legitimate debt collection company that has been in the business for 15 years now. It operates from Minneapolis and has been graded as an A+ Business with the Better Business Bureau.
However, despite these facts, the company is not able to maintain a good online reputation. In fact, according to reviews on the Google and Better Business Bureau’s profile of the company, we can see that consumers are not very happy with the service.
Now, that seems to be the case with every other debt collection company. But, we cannot use this fact as a point to understand when an agency harasses a consumer.
So if you have fallen prey to harassment or verbal abuse during your contact with any debt collection agency, then keep reading this post.
Not only are we going to discuss some facts about DCM Services, but we are also going to help you understand what are your rights under FDCPA and what you need to do if they are violated.
About DCM Services
DCM Services is a Minneapolis-based debt collection company that has been in the business for 15 years now.
Even though they are legitimate, they haven’t been able to maintain a good online reputation.
When we look at the Google reviews, we find that section is filled with negative comments. So much so that 56 reviews add up to make 1.7 out of 5 stars.
On the contrary, DCM services Better Business Bureau’s profile has a total of 22 customer reviews which add up to make one 1 out of 5 stars in total.
However, here are some things that make the business stand out from the rest.
First of all, DCM services is a better Business Bureau accredited business. Not only that but the fact that BBB rates it as an A+.
Secondly, the debt collection agency received just 58 complaints in the last 3 years, among which 11 were closed this past year.
However, their achievements and perfection don’t mean that people didn’t go through a rough experience while dealing with the company. And nor does it mean that every time the collection agency calls a customer it is supposed to be a bad experience.
That being said, we are going to keep a neutral perspective throughout this post and discuss WHAT IF you are harassed by a debt collection agency? What are you supposed to do? What are your rights and how are you protected through the Fair Debt Collection Practices Act under US law?
Forms Of Harassment
Harassments can take various forms when a debt collection agency chooses to go down that path.
Remember, US law has no space or excuse WHATSOEVER when it comes to using threats, abuse, violence, harassment, intimidation, or any questionable tactic as a means to collect money.
But, some debt collection companies choose to use dirty tactics to attempt debt collection. These companies choose to call a consumer during odd hours which is a serious offense when it comes to the Fair Debt Collection Practices Act.
While others seem to enjoy using obscene language or threatening a consumer. Now, it is important for you to understand that these threats can be about legal action or perhaps in some extreme and truly unusual cases illegal action.
Whatever it may be, intimidation or using threats to attempt debt collection is never a good idea and it ends up backfiring when a consumer chooses to sue the debt collection company.
If you have been harassed aur verbally abused by a debt collection company, you can choose to sue them today. Just contact Haseeb Legal LLC and we will be happy to help you out.
Your Rights Under Fair Debt Collection Practices Act
Fair Debt Collection Practices Act gives you the right to avoid all sorts of communication between you and the debt collection company.
Now you can do it in various ways. The first way is to politely ask the company to add your name to the Do-Not-Call list and avoid all sorts of contacts with the company or you can hire an attorney to stop all the communications and redirect it towards your attorney and the company.
You can easily do this by just hiring an attorney and ascertaining his or her name and address to the company. The Fair Debt Collection Practices Act basically allows you to do so.
Now we are not going to go into further details of this matter because we have covered it too many times in our recent posts. If you want to learn about it you can check them out.
Now some of your basic rights they are granted by the fair debt collection practices act include that you should be dealt with without the use of obscene language threats, verbal abuse or any intermediation whatsoever.
Debt collection companies are also disallowed to contact you during odd hours of the day which are recognized by FD CPA as consumers time zone.
Moreover, your data is not supposed to be publicized under any circumstances except for the ones that are mentioned in the Act. And one of the low-life variations of such an offense is when debt collection companies choose to contact your neighbors and relatives and tell them about a debt you owe.
Last but certainly not least, you are not supposed to become a subject of multiple calls per day or per week. And one of the variations of such an offense when you are subject to Robocalls by the company, and that is absolutely ridiculous!
Can I Sue DCM Services
Free debt collection practices act gives you full freedom of suing a company that has harassed you in order to collect money.
That can happen in many forms and if you happen to be confused about what just happened you should even be labeled as harassment or not, here are a few examples of some actions that are labeled as harassment under the FDCPA.
Getting accused of criminality during the contact or being constantly pressed for having debts that you don’t even know.
Some companies were also reported to consumers by contacting them and accusing one of their relatives who were now deceased of debts.
Also, if you are threatened with legal action such as wage garnishment if you fail to pay your debts or if you choose not to, then this is also considered to be harassment under Fair Debt Collection Practices Act since it prohibits the use of intimidation and threats to attempt debt collection.
If you have been wronged in such a manner, consider hiring an attorney today. In this regard, Haseeb Legal LLC can help you. Give us a call and we will be happy to help.
DCM Services is a debt collection company that strives to collect money on behalf of its clients.
It is based in Minneapolis and has been in the business for 15 years. Even though that’s a long time the business is still not able to maintain a good online reputation.
However, its profile with the Better Business Bureau is rated as A+. Also, the company was able to receive just 58 complaints in the last 3 years among which 11 were closed this past year. Now that’s an amazing performance!
However, that does not mean that you or any other customer didn’t have a difficult time during their debt collection process with the company.
Some debt collection companies harass their consumers to attempt debt collection. So, if you have fallen prey to such circumstances, there is no need to hesitate. contact Haseeb Legal LLC today! We can help you sue your harassers and help you get monetary compensation against the violation of your rights.