I have to say, I am MY’s wife and I was the one who actually dealt with DCM. After my father-in-law passed away I contacted AMEX and they informed me about DCM and that they would be contacting me. They contacted me a few months after his passing and we were able to reach a settlement for 20% of the debt which allowed us to be done with the whole business and collect the funds that my husband mentions above. I found them to be super professional and pleasant, they informed me clearly of my rights and the fact that I was not under obligation to pay these debts and they were also sympathetic to our loss. I’m sorry if others have had negative experiences, but mine was actually quite positive and now the situation is behind us.