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DCI Credit Services Inc

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Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to contact you at your place of employment if the collection agency knows that your employer prohibits such calls.

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

 

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

 

If any of these things occur, your best option is to consult with a consumer protection attorney.

2 Comments

  1. Olivia T. on April 4, 2015 at 11:21 pm

    DCI Credit Services has called me repeatedly and refuses to explain who they are. On several occasions, DCI Credit Services would not even tell me the name of their company. Each time DCI Credit Services demanded for me to verify my information which I would not tell them anything until they told me who they were and what they do. I only found out who they are by Googling the number.

  2. Elizabeth Bonney on February 1, 2016 at 11:27 am

    While paying off one medical bill DCI Credit Services took and extra $1000 out of my checking account without any authorization to pay off another medical bill that I didn’t even know existed. When I confronted them I was met with resistance and a meager apology! I am waiting for my money to be returned to my account!

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