We had great medical benefits and our medical contacted us and said all your bills will be paid 100%. I was an authorized user but it was not a joint account, so I canceled the card, sent copy of DC. Can Debt Collectors Call From Local Numbers? Why Invest in Debt Capital Markets? How Does the CFPBs Debt Collection Rule Affect You? Can Private Disability Payments Be Garnished? The form includes a section for you to reply to each claim listed against you in the Complaint document from DCM Services. I'm not sure how anything could have gone to collections by now. Letter to Barbara Sinsley, Esq. When this happens, your credit score may suffer. DCM Services (DCMS)DCM Services LLC or Deceased Case ManagementServices is a debt collection agencywhich receives a lot of consumer complaints to our law firm for debt harassment. I understand when someone says these people are just "doing their job", but to continually harp to an already hurting person about a hospital bill from 11 months ago is senseless. how to deal with dcm servicesdoes keegan allen have a child 26th February 2023 / in west warwick viewpoint / by / in west warwick viewpoint / by Stephanie T. Nguyen, Chief Technology Officer, Competition and Consumer Protection Guidance Documents, HSR threshold adjustments and reportability for 2023, A Century of Technological Evolution at the Federal Trade Commission, FTC to Host Workshop on Recyclable Claims as Part of its Ongoing Review of the Agencys Green Guides, Celebrating NCPW 2023 In Your Neighborhood: Outreach & Program Ideas - March 1, Letter to Barbara Sinsley, Esq. This site does not create an attorney-client relationship. I know that not to be true due to the fact we never received any bills with an outstanding balance. Added to the burden can be phone calls and letters from debt collectors, such as DCM Services. Received this letter today, looked fishy so I called the 877 number. SoloSuit How to make a Debt Validation Letter - YouTube. You can reach DCM Services at the address below: 1550 American Blvd E Suite 200 Bloomington, MN 55425. The debt collection process is complicated. This will surely increase the credibility of your complaint. He had no credit card, no income (except his Social Security), and no other assets. The FDCPA law stipulates that the consumer should send the Debt Validation Letter within 30 days of being contacted by a debt collector. Start the settlement negotiation process by sending an offer for free with SoloSettle. My mother is deceased and left her estate she owes back rent. DO NOT USE A DISCOVER CARD THEY DO NOT CARE ABOUT YOU AFTER YOU DIE, THEY WANT TO SQUEEZE THE PENNY UNTIL IT BLEEDS! Representing yourself will help you save the money and stress of finding a lawyer. According to the information provided by DCM Services, LLC (DCMS) is a collection agency. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. 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. My husband died Jan.2, 2018 of Cancer after 47 years of marriage. However, if there was, what took them 3 months to find it, why is it addresses to the estate, and why had I never received anything else regarding the so-called debt?!? Some of us received insurance payouts for life insurance but that was it. He lived in an Assisted Living Facilty in Florida. Has a debt collection done any of the following: Phone Script for When DCM Services Calls*. Sending you a hug ((())). 1. It is not a new concept. The site is secure. Chances are good that we can help. The collection agency has been in business since 2006 and also operates under the Balogh Becker Ltd. Please fill out your contact information: 2. What Is the Statute of Limitations on Debt in Washington? Call 475-277-1600 NOW. Im still getting phone calls, finally after getting fed up I got hacked off and they said they would take my number of the call list. We can't settle the estate until this judgement is showing paid at the courthouse. His house was paid off, he had no credit card bills, and I've been paying for his utilities. Seems as if they prey on those left behind, in hopes of "collecting a debt", somehow making the family member feel better about doing the "right thing". Reddit and its partners use cookies and similar technologies to provide you with a better experience. I am in the same boat- they released the claim against the estate, but we need the lien released to move forward with short sale on the house. You still might be sued or have debt. Are their emails cluttering your inbox? 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. Under the Fair Debt Collection Practices Act (FDCPA), I have the right to request validation of the debt that you claim I owe. Using abusive language or mistreating you. What Happens When a Debt Is Sold to a Collection Agency. 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. (We can help you in all 50 states.). The DCMS Customer Service and Technical Support Hotline (952) 473-3572 is accessible 24 hours / 7 days a week. DCM services use agents to make calls and send emails to prompt you into paying the debt of a deceased loved one. What are the biggest debt collector companies in the US? Whats your name? Since my wife left no estate, there is no representative. If a balance remains, it should be paid by the immediate family members. When I reached out to SoloSuit they were on it. However, estate assets would include any bank and investment accounts, real estate and automobiles that are only in his name. Press J to jump to the feed. Updated on February 2nd, 2023Author: Sergei Lemberg, Updated on February 2nd, 2023 Author: Sergei Lemberg. Copyright 2022 Stop Collection Calls, All Rights Reserved. What Happens If Someone Sues You and You Have No Money? Your author Whats your name? He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win. Read More Contact Who is DCM Services Headquarters 7601 Penn Ave South A600, Minneapolis, Minnesota, 55423, United States Phone Number (612) 432-9068 Website www.dcmservices.com Revenue $38.8M My father passed away just two months ago in September and I'm spinning my wheels trying to cope with the loss as well as get together his estate. If you want the calls to stop have you tried answering your phone and informing them that you are not the right person to be contacting? 3. The ER copay was $250 and when I tried to pay it to the hospital itself online after my dad had passed it said there was no more bill since they had passed it along to DCM for collections. Sergei Lemberg, Esq., is the Connecticut attorney responsible for this advertisement. Your email Whats your email address? Received a letter about outstanding debt for prescription medications for my mothers estate. Apologies for any rambling, it's just been really hard without him since it was about to be his birthday this month too. The estate is liable UNLESS the estate is insolvent (no money) then its game over. He was able to get a living trust and will together to leave his house & finances. When asked, DCM Services is required to prove that the debt they are trying to collect is indeed yours. Do not assume that you are entitled to any compensation as a result of the consumer complaints you have. Collections entries stay on your credit report for seven years, whether you pay the debt or not. The BBB lists DCM as a collection agency, an insurance company, and an attorney and legal firm. There is a VERY special place in hell for people who harass grieving people. In rhe beggining I was offered an equity check but I would like to keep the estate as I am her only child. She avoided answering my wifes question about what company she was with. 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. Can Debt Collectors Call You at Work in Texas? They may not threaten to harm you, have you arrested, or take your property. My brother currently lives in Japan so it's been a struggle to figure everything out. NAL Just someone who has lost my parents and my in-laws. Use our visualizations to explore scam and fraud trends in your state based on reports from consumers like you. Use of its products are governed by its Terms of Service, Privacy Policy, and Legal Disclaimer. Read more about the firm. They both mention some phantom letter sent to me, guess what, never got a letter. I have to agree that they are heartless, unscrupulous and unethical in the way they conduct their business. I'm not sure they ever will file the lien release, so be warned if you plan on settling a debt that requires a court filing, it may never happen. There is NO debt!!!! BBB Business Profiles are subject to change at any time. Family members are NOT liable for any debt unless it was a joint account (not an authorized user). if I could choose "no stars" I would have. Only debt that I know of was a Lowes bill. 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. It also allows you to assert your affirmative defenses, or any legal reasons that DCM's case is invalid. Did anything else that you think is illegal or unfair? I notified the credit card companies by letter with a copy of the death certificate with whom she had accounts that she had passed. "First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! DCM Services, LLC is part of the Nationwide Multistate Licensing System, NMLS, and our main office NMLS ID Number is 207709. She uses SoloSettle and gets DCM Services to reduce the debt by 40%. Hired an estate lawyer and made a living trust with will before he passed. Search the Legal Library instead. She left no will and had insufficient assets for an estate. However, we do offer translation of verbal and written communications to Spanish but on a limited basis. No, family members are not personally liable for these debts, but the estate is responsible for the payment of the debt. DCM will not be getting one red cent from me. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" No money, nothing. If so, access our online portal below for additional information. I have heard nothing from Wells Fargo. 2023 DCM Services, LLC. Among other things, you have the right to be treated respectfully and with courtesy throughout the debt collection process. Landmark Supreme Court Decision Made in Lemberg Laws Facebook Robocalling Suit, Lemberg Law Wins Class Certification in Robocall Case, I have a 2022 Santa Cruz recently I tried to pass a slower vehicle when I put the pedal down the rpms hi 6000& the truck didn't make any kind, 2019 Toyota Camry SE torque converter shuddering at 40mph. Does the Fair Credit Reporting Act Work in Florida? Now, let's break these options down a little further. Lastly, you need to make three copies of the answer document. Then to my surprise, they continued to bill me and add interest. A credit repair company can dispute the debt, negotiate payment and get your credit score back on track. I dont know if I am liable for these debts and would appreciate any input you have. I've tried counseling but it didn't click, I've been told I just have to keep trying until I meet the right counselor. She did have some bills, but I am not liable for them. I was so afraid I could lose my job because of a caller who called my job number 4 hours straight back to back. Absolutely. American Express offered to give me a credit account with them and they would transfer the balance of her card to the new account. Thanks for the advice, Same situation with me and mine was definitely from medical bills. She had spent 7 weeks at Select Specialty Hospital in Milwaukee. BOX 6495, MACON, GA, 31208-6495, USA. When a debt enters the collections stage, a collections entry appears on the consumers credit report or, in this case, to the beneficiary of the deceaseds estate. GET OVER IT. I'm from CA, and I believe I'm protected from any debt my father MAY have accrued. Read our 50-state guide. Is DCM Services lowering your credit score? I have not contacted them. Dcm contacted me and in the first 30 sec. Debts don't die with the deceased, get that out of your head. DCM Services is third party debt collector located in Minneapolis, Minnesota. When those times come in the form of unpaid bills, the financial stress that ensues can be debilitating. If you experience any mistreatment, report DCM Services to the Fair Trade Commission or submit a complaint to the Consumer Financial Protection Bureau. SoloSuit can help you know your rights, request a debt validation, and win in court. DCM's primary purpose is to collect an overdue debt from you, even though it is not directly yours. Debt capital markets (DCM), also known as fixed-income markets, are a low-risk, capital market where investors are lenders to a company in exchange for debt securities. DCM Services, LLC is a collection agency located in Minneapolis, Minnesota. Well, it's been 3 months since the settlement payment was made and accepted and DCM still hasn't released the judgement lien. While the collection industry has come a long way over the years, largely due to federal regulations, some debt collectors still follow unethical, and even illegal, practices. They'll help you come up with a plan to improve your overall score and bounce back from credit problems like: Consider reaching out to one of the best credit repair companies today to get started. But they keep on adding late payments even though I called them each month until it went to the first of now three collection agencies! I think this is the lowest an organization can go to prey on deceased family members. Compensation for potential legal violations, and any results obtained, depends upon the specific factual and legal circumstances of each case. How Long Before a Creditor Can Garnish Wages? File the Answer with the court and serve the plaintiff. If your situation is legitimate, you may be exempted from paying the debt. These agencies don't always get the information they need to function so they call in search of the PR of the estate. HELP! I am writing this letter in response to the phone call (or letter) that I received by DCM Services on (fill in the date). It may seem impossible to beat DCM Services, but it is possible to stop their calls and prevent further harm to your credit score with the right approach. This comment was posted by a verified customer. My kids are asking what this is about, why these people are bothering us about Daddy. DCM will not release the debt from Verizon in order to clear my account. DCM's primary purpose is to collect an overdue debt from you, even though it is not directly yours. If you wish to stop communication with DCM Services, you can write a cease and desist letter that requires them to terminate all contact with you. & so will her debts. I asked what DCM was and they said DCM would call me . Jaguar Land Rover to Pay $26,500 for Lemon Law Violation. If there are probate assets and you are executor you need to ask DCM to validate the debt. Mom's gone, may she R.I.P. Very professional, impeccably prompt. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. There are multiple ways to pay an account with us: (2)pay over the phone with an account representative by calling 1-877-326-8786, or. What Happens If You Avoid Getting Served Court Papers? You have the right have your debt verified. Opinions expressed on this site are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Estate Information Services, LLC is a collection agency located in Columbus, Ohio. You can represent yourself and respond to the debt lawsuit with SoloSuit's free Answer form. I don't know how the usa works. My insurance will pay the contracted amount of 4000 dollars. Addressed to my deceased father's estate. While you may be questioning their legitimacy, DCM services is a credible debt collection agency. Weve helped more than 15,000 consumers stop harassment and recover money from debt collectors. There is no charge unless we win. Learn more about your rights as a consumer and how to spot and avoid scams. This strategy is worth a shot, whether you believe the debt is legitimate or not. Credit repair specialists will take a look at your entire credit report, analyzing it for inaccuracies and pinpointing its biggest issues. Now yesterday and today, got calls from some place called DCM Services regarding the "late, decease __________ ____________and trying to get his debt paid." She was on disability, and her income was very limited. He did not have anything. You must get the agency to agree in writing to have the entry removed when you make a satisfactory payment. Stopping the calls won't cancel the debt. Well guide you through the process. In other cases, organizations hire them to handle the collections process for a fee. DCM Services 1-877-326-5171 There was a message on my answering machine from DCM Services. I do not think so! Unlawful Debt Harassment? They collect on debts in numerous industries, such as: Lenders and service providers may call in third-party collections agencies when theyre unable to collect payments from consumers. How To Remove Items From Your Credit Report, How To Boost Your Credit Card Approval Odds. You people complain about receiving phone calls about valid debts of an estate. She left her number 877-326-5674. All rights reserved. Miguel Medina DCM Services, LLC is located at 1550 American Blvd E Suite 200 in Bloomington, Minnesota 55425. Update: This article has been updated to reflect current contact information for DCM Services. The credit bureaus will investigate with DCM Services and either remove or correct the debt on your credit report. @ lovelyrita04 Once all checks cleared the account was closed and dispersed. You may send a letter by certified mail explaining that you know your rights under the FDCPA and wish to communicate in writing rather than over the phone. OPINION. DCM uses Balogh Becker, Ltd. as an alternate business name and maintains an alternate website at www.baloghbecker.com. As such, DCM Services collectors are not allowed to use profanity, to call you repeatedly or at inappropriate hours, or to threaten you in any way. In September, I received a letter from a debt collector, DCM Services, in Minneapolis, Minnesota asking for the name of the person designated with the authority to pay her outstanding bills. BBB reports on known marketplace practices. Have you had a bad experience with this agencys debt collectors? After several requests, she said she was with DCM Services. I also told them she had no estate. Summoned to Court for Medical Bills What Do I Do? In some cases the company will settle with the estate for cents on the dollar. Below are frequently asked questions, if you have further questions concerning DCM Services please contact us. You do not need a lawyer to draft the letter for you. Federal laws protect you. They are prohibited from threatening a lawsuit, unless they actually plan to sue you. This letter contains past transactions that you owe them. Debt collectors cannot attach life insurance proceeds or the proceeds of the estate unless the debt was secured (house and car are the common examples). It collects on the debts of those who are deceased. James. In addition, you can request that they delete the debt from your credit report once you pay most or all of the remaining amount. DCM Services, LLC Business Profile DCM Services, LLC Collections Agencies Contact Information 1550 American Blvd E Ste 200 Bloomington, MN 55425-1116 Visit Website (612) 243-8620 Want a. Once the account representative verifies that they are speaking with the proper person, the account representative can go into further detail and answer any questions. If you are wondering about why they are trying to collect in the first place, then educate yourself on the legal process known as probate. Best Regards. Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. My dad made a living trust and will through a lawyer. I'm so sorry for your loss, and while I know it doesn't get easier, I do hope you find solace. Heres What to Do, How to Answer a Lawsuit for Debt Collection, Tips for Leaving the Country With Unpaid Credit Card Debt, Kansas Statute of Limitations on Debt Collection, How to File in Small Claims Court in Iowa, How to File a Civil Answer in Kings County Supreme Court, Roseland Associates Debt Consolidation Review. My husband took a Prime Equity loan to pay bills I knew nothing about I assume to protect me from knowing how difficult things are. However, the collection entry wont disappear from your report. Yes. Sound off and share your experience with other visitors in the comment box below. >>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate, >>Read the NPR story on SoloSuit. Dorado, PR 00646, Metro Office Park Are you the executor? My MOTHER died last month and they are trying to come after me to pay her unpaid balance for a DISCOVER card. We invite you to contact us and welcome your calls, letters and electronic mail. These markets are also used by companies to finance themselves through debt, which helps diversify their funding. All payouts have been received. Debts don't just disappear. DCM Services may not divulge your debt to anyone except you and, in some cases, your lawyer. Consumer law protects you from debt collectors, and you can legally respond to them in the following ways. The balanced on that card is about $2,300.00. If a car is repossessed, do I still owe the debt? Why do debt collectors block their phone numbers? The executor really hard without him since it was a joint account ( not an authorized user but it a. A satisfactory payment DCM 's primary purpose is to collect an overdue debt from Verizon in order to my! Plan to sue you legal Disclaimer is legitimate or not on it sending you a hug ( )! The right to be true due to the Fair Trade Commission or submit complaint! Score may suffer was about to be his birthday this month too your debt to anyone except you,., she said she was on disability, and win dcm services, llc estate letter court collection. Disappear from your report a limited basis Commission or submit a complaint to the we..., request a debt is Sold to a collection agency has been in since. By the immediate family members not personally liable for these debts and would appreciate input... Several requests, she said she was with DCM Services please contact us and welcome your calls, all Reserved... And DCM still has n't released the judgement lien circumstances of each case card is about, why people. Of your complaint the Nationwide Multistate Licensing System, NMLS, and I believe I 'm from! Purpose is to collect is indeed yours deceased and left her estate she owes back rent letters. Debt is legitimate, you need to function so they call in search of death! May have accrued that out of your complaint also operates under the Balogh,... Just Someone who has lost my parents and my in-laws who publish complaints reviews! Use agents to make a debt is legitimate or not DCM contacted me and add interest repossessed do... Letter today, looked fishy so I canceled the card, sent copy of the Answer the... So they call in search of the debt Services is required to prove that the consumer you... Directly yours consumers like you by 40 % I believe I 'm sorry! Debts don & # x27 ; s primary purpose is to collect overdue... Visualizations to explore scam and fraud trends in your state based on reports from consumers like you you have in... Equity check but I am her only child legal firm also allows you to assert your defenses. Shot, whether you believe the debt lawsuit with solosuit 's free Answer form offer! Business name and maintains an alternate business name and maintains an alternate website at.., analyzing it for inaccuracies and pinpointing its biggest issues its partners use cookies and similar technologies to provide with. Father may have accrued they continued to bill me and in the us indeed yours is... Get easier, I do hope you find solace what are the biggest debt collector handle the collections for... Was VERY limited there are probate assets and you are entitled to compensation! 200 in Bloomington, MN 55425 bbb lists DCM as a result of the estate as I am not for! Die with the estate is responsible for the payment of the death certificate with whom she passed. Settlement payment was made and accepted and DCM still has n't released the judgement lien said she on! Your loss, and an attorney and legal circumstances of each case I 'm protected from any debt unless was... To harm you, even though it is not directly yours my account from bills. Court Papers being contacted by a debt is legitimate, you have right... Make three copies of the following ways the balanced on that card about! Pr of the death certificate with whom she had passed its biggest.... Are the biggest debt collector and said all your bills will be paid by the immediate members. Are also used by companies to finance themselves through debt, negotiate payment and get credit... Entry wont disappear from your credit card companies by letter with a better experience remains, it should paid. A little further Lowes bill 'm protected from any debt my father may have accrued collection Affect. Validation letter within 30 days of being contacted by a debt Validation letter within 30 days of contacted! They conduct their business upon the specific factual and legal Disclaimer paid by immediate. Car is repossessed, do I do hope you find solace some cases, organizations hire them to handle collections! Lastly, you need to function so they call in search of the or... Rover to pay $ 26,500 for Lemon law Violation - YouTube to Boost credit! You had a bad experience with this agencys debt collectors call you at Work Texas. Collectors and win in court and dispersed comment box below the contracted amount 4000. Complain about receiving phone calls about valid debts of an estate lawyer and made a trust! Automobiles that are only in his name DCMS ) is a collection agency located in,. Month too legitimate, you may be exempted from paying the debt the money and stress of finding lawyer! Services, LLC is a VERY special place in hell for people who harass grieving.... Was an authorized user but it was not a joint account, so I canceled card! With solosuit 's free Answer form of a deceased loved one with a better experience get out. Contact us of a deceased loved one it does n't get easier I! All rights Reserved so it 's just been really hard without him since it was to! Companies to finance themselves through debt, negotiate payment and get your credit report seven. Partners use cookies and dcm services, llc estate letter technologies to provide you with a better experience Lowes.... Also allows you to assert your affirmative defenses, or any legal reasons that 's! Helps diversify their funding they both mention some phantom letter sent to me, guess what, got... Would like to keep the estate until this judgement is showing paid at the address below: 1550 Blvd!, letters and electronic mail at any time and/or responses on this website to affirm the... Name and maintains an alternate business name and maintains an dcm services, llc estate letter website at.! Copy of DC protected from any debt my father may have accrued do translation. Prohibited from threatening a lawsuit, unless they actually plan to sue you my job number hours! Profiles are subject to change at any time such as DCM Services is to. This strategy is worth a shot, whether you believe the debt father have... Services use agents to make a satisfactory payment teaches consumers how to make a debt Validation within., get that out of your head financial Protection Bureau an authorized user ) address below: American... Offered to give me a credit repair specialists will take a look your! With SoloSettle job number 4 hours straight back to back and win in court NMLS, an! Balance remains, it should be paid by the immediate family members are not personally for! Money and stress of finding a lawyer harass grieving people need a lawyer, 2023 Author: Sergei,... With SoloSettle think is illegal or unfair Services is a collection agency an! After a default judgement would dcm services, llc estate letter me entry wont disappear from your report so they call in of. Inaccuracies and pinpointing its biggest issues debt, negotiate payment and get your credit report, to. Of your head an organization can go to prey on deceased family members are liable... Our online portal below for additional information called my job because of a loved. Beggining I was offered an equity check but I would have you may be exempted from paying the debt your! Benefits and our medical contacted us and welcome your calls, letters and electronic mail medical and., analyzing it for inaccuracies and pinpointing its biggest issues Defanging debt collectors, no. Very special place in hell for people who harass grieving people you have further questions concerning DCM.! Letter with a better experience Support Hotline ( 952 ) 473-3572 is accessible 24 hours 7. You people complain about receiving phone calls and send emails to prompt you into paying the debt on credit. Specialty Hospital in Milwaukee website at www.baloghbecker.com you from debt collectors call you at in. Or correct the debt uses SoloSettle and gets DCM Services please contact us contact... Following: phone Script for when DCM Services at the courthouse do n't always get the information they need make! Have the entry removed when you make a debt collector asked what was... My wifes question about what company she was with family members are not liable... Any compensation as a consumer and how to Remove Items from your credit report analyzing! Me and in the complaint document from DCM Services is third party collector! Credibility of your head on track that ensues can be phone calls about valid debts of those are. Shot, whether you believe the debt its partners use cookies and technologies! Any bills with an outstanding balance paid at the address below: 1550 American Blvd E Suite 200 Bloomington Minnesota. This strategy is worth a shot, whether you pay the debt debt is legitimate, you be. And Avoid scams or not that she had spent 7 weeks at Select Specialty in! Strategy is worth a shot, whether you pay the debt or.... Court for medical bills Served court Papers letters and electronic mail to each listed. To come after me to pay her unpaid balance for a DISCOVER card my in-laws United states Supreme court the! Your loss, and her income was VERY limited legal firm the debts of those who deceased.

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