About Us

We’ve enforced the rights of thousands of clients on Social Security, Disability, Veterans Pensions, or other retirement benefits. We’re honored to serve you.

Our Mission is simple: to relieve the stress of debt-burdened seniors and disabled individuals. We are not a bankruptcy firm, but offer a low cost alternative that could free you from the stress caused by bill collectors when you have debts you cannot afford to pay.

Every day, millions of Americans are harassed by debt collectors by the phone, by mail, and through the court system. Debt Counsel for Seniors & Disabled was founded when a group of experienced consumer rights litigators recognized that the most vulnerable Americans are in the need of the most help.

Attorney James Giardina began his career spending every day in the courtroom litigating credit card cases. Working on hundreds, if not thousands of cases, he noticed that most consumers did not show up for court, and when they did, few of them knew their rights. It wasn’t long before he switched sides and began representing consumers against the lawsuits brought by banks, bill collectors, and credit card companies. Today, he is an experienced federal litigator who doesn’t just defend credit card lawsuits and garnishments, but actually brings suit against banks and bill collectors for federal and state regulatory violations.

Banking is one of the most heavily regulated industries in America, it should come as no surprise that the laws governing loans, credit cards, and bill collectors are many and complicated. Bill collectors are governed by both state and federal laws. Communications from bill collectors are highly regulated. The law is clear that if a bill collector violates the law, that bill collector has to pay damages to the consumer – even if the consumer owes the debt.

In the course of his fifteen years as a litigator, Mr. Giardina has encountered thousands of consumers who are still unaware of their rights, or who mistakenly believe that bankruptcy is the only way to get bill collectors off their backs. Recognizing a need to protect the most vulnerable of Americans, Mr. Giardina founded Debt Counsel For Seniors and Disabled not just to educate consumers about their rights, but to offer legal representation at a price that anyone can afford. Not everyone qualifies to be a DCSD client. We only represent individuals with low income or who receive income from a protect source such as disability, social security, or certain pensions. We do not represent businesses or do bankruptcy or criminal law. Rather, we represent good honest people who simply cannot afford to pay their bills.

Our goal is to stop the phone calls, stop the letters, and stop the harassment from bill collectors so our clients can live stress free without the worry of harassment from collectors for bills they cannot pay. DCSD allows our clients to focus on more important things than battling debt collectors. We provides you with peace of mind knowing you can get on with your life rather than worrying about whether or not you can afford to pay a past due debt.

Debt Counsel for Seniors & Disabled is a law firm dedicated to protecting seniors and disabled individuals from creditor harassment without a costly bankruptcy. If you receive social security, veterans benefits, or disability, your income may be protected from creditors. If you are being harassed by debt collectors, you may have legal protections available to you. Contact us today to see how DCSD may be right for you.

Debt Counsel for Seniors & Disabled has been a lifeline for its clients. DCSD allows its clients to focus on more important things than battling debt collectors and provides them with peace of mind knowing their income, such as Social Secuirty and disability, is protected.

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(888) 622-3273

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Office Location

3104 W Waters Ave #200, Tampa, FL 33614


M-F: 9 a.m. – 5 p.m. EST