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DS Financial Services has over 20 years of industry experience. The company has offices in Florida and New York. The company offers a basic website with limited information on their services, pricing, and company. They offer consumers and businesses debt settlement services and claim they can settle these debts for varying amounts in two to three years. However, we have concern about the company’s lack of transparency.

The Good

  • No fees when you sign up
  • Over 20 years of experience in the industry

A Different Approach

DS Financial Services conducts business slightly differently than others in the debt settlement industry. This may be good or bad depending on individual circumstances.

Most debt settlement companies will have their clients stop making payments on debts immediately after they sign up. Representatives of DSFS only take on unsecured debts that are either currently in collection or have already been declared delinquent. Then, like other companies, they offer free advice and a consultation over the phone. This is good for those who have gone delinquent and have no one else to help them.

No Trust Account

After signing up with DSFS, instead of having clients set money into a trust account, they have clients build funds on their own. The more debt you have, the less of a percentage you pay to DSFS.

The Bad

  • Transparency
  • No accreditations


While reviewing DSFS, we ran into some transparency issues; for example, the company does not disclose any information about pricing or debt minimums on its corporate website. These are important things to know before signing on with a debt settlement company.

No Accreditations

DSFS is not accredited with the AFCC or the IAPDA. We like to see when companies have these accreditations to show they are using best industry practices.

Want to know which debt settlement companies are the top rated? Click Here

The Bottom Line

In the end, DSFS is different than the majority of debt relief companies. They require your accounts to already be delinquent and they don’t require that you set money aside each month in a separate bank account. While this option won’t be right for most people, it’s a good option for those who have gone delinquent and do not qualify for other debt settlement programs.

However, if your accounts are currently not delinquent, we recommend choosing a company with lower fees and industry accreditations.

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Frequently Asked Questions

How Much Does DS Financial Services Cost?

DS Financial has not disclosed this information.

Can I Get A Free Consultation?

The company offers a free consultation upfront where they’ll examine all your financial statements and collection notices and total debt and discuss what you can expect in working with them. Small business owners are also encouraged to contact them for a free consultation to see how they can avoid having to file for bankruptcy and how many of their debts can be settled in an effort to give their business a second chance.

What Types of Debt Does DS Financial Services Work With?

The company works with unsecured debt.

What Is the Minimum Debt Amount I Can Sign Up With?

DS Financial has not disclosed this information.

More Information

About DS Financial Services

With over 20 years of experience, DS Financial Services offers consumers a debt settlement program different than many of its competitors. The company offers reasonable rates and no hidden fees. DS Financial Services promises that it will strive to settle your debts quickly.



Account Set-Up

  • Free consultation: Yes
  • Personal consultant during the settlement: No


  • AFCC accredited: No
  • IAPDA accredited: No

Time in Business

Founded in 1996

Minimum Debt Requirement


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1 DS Financial Services Reviews

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    April 26th, 2016

    A great company. DS Financial saved me just over $40K and did it with personal attention and in FAST. No big company non-sense and bad service. I even dealt directly with the owner of the company. Not bad service. Big and accredited is not always better, especially nowadays when business is purely started for profit ignoring customer service. Fully recommend DS Financial Services for any sort of consumer debt settling.

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