WHY USE DCSD FOR PROTECTION INSTEAD OF FILING FOR BANKRUPTCY?

Bankruptcy can give you a fresh start if you are tens or hundreds of thousands of dollars in debt.  DCSD has a similar effect as a bankruptcy in that the client ceases paying his or her debts and, in turn, DCSD protects clients from creditor harassment and illegal garnishment.  When you are a client of DCSD, your income is protected from collection attempts meaning that you would reap both of those benefits without spending thousands of dollars on bankruptcy filing fees that would have to be paid to an attorney up front.