? Services & Fees | Debt Counsel for Seniors and the Disabled
Bankruptcy Solutions without Having to File Bankruptcy
For more info or to become a DCSD client
Call 800-992-3275 ext. 1304
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All your information
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kept secure.


The main purpose behind Debt Counsel for The Seniors and the Disabled legal services is to ensure that creditors and collectors do not violate collection laws or garnish federally protected incomes, such as Social Security, Social Security Disability, Veterans benefits and other federal funds. We have systems in place to help you protect your benefits.


DCSD is an alternative to bankruptcy. Most of our clients cannot afford a bankruptcy and most do not need bankruptcy protection. DCSD is an affordable alternative to help protect clients from illegal harassment and garnishment by debt collectors.

With these protections, we help restore our client's dignity, and that is priceless.


  • Notification to clients' creditors of legal representation
  • Cease and desist notification to each creditor
  • Monitoring for violations of federal Fair Debt Collection Practices Act (FDCPA)
  • Protection of federally protected income
  • Monitoring of collections made by junk debt buyers
  • Protection from illegal harassment or abuse
  • Bankruptcy like relief with a fraction of the cost


There is a ONE-TIME PROCESSING FEE of $125 - $250 (depending on circumstances) and a monthly fee of as little as $25, depending on the number of accounts serviced as noted below:

  1-5:   $25.00

  6-10:   $35.00

  11-15:   $45.00

  16-20:   $55.00

If you have more than 20 accounts, please contact DCSD.

The information you obtain at this site is not, nor is it intended to be, legal advice. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established. Furthermore, the information on this website is for general purposes only and should not be interpreted to indicate a certain result will occur in your specific legal situation.

If you know someone whom you think could use our services, please refer them to our website or have them call us to discuss their situation. We would love to help them.