A Debt Relief Company You Can Trust!

With over 30 years of combined experience, a Better Business Bureau A+ rating, and a zero complaint history, you can feel confident that PCS Debt Relief will be a debt relief company you can trust.

We are headquartered in St. Louis, MIssouri and offer our debt relief services nationwide.

(636) 209-4481

About PCS Debt Relief

At PCS, our programs are tailored to the client’s specific financial needs. What sets us apart from our competitors is that clients see relief, before any payment is received. Our NO UP-FRONT FEE policy ensures our client’s a 100% satisfaction guarantee. We also do not charge any monthly fees or any cancellation fees. We want the client to feel comfortable during the whole process that’s why we allow them to be part of it every step of the way.

Tips for Summer Savings

Summer is just around the corner. With the beautiful weather and long breaks, it can get expensive to enjoy the season. Here are some tips to not break the bank while having fun.

http://www.redbookmag.com/home/how-to/a44147/summer-savings/

If you feel you are struggling with credit cards, and need advice on what your best option is, PCS Debt Reliefs’ advisors can help. Call us today at 636-209-4481

 

May 3rd, 2017|
  • Can you sell your house if you have a home equity line of credit?

If You Have a HELOC Can You Sell Your Home?

A HELOC (home equity line of credit) is considered a lien against the home, just like a primary mortgage and a home equity loan.  The value of the HELOC lien is the amount currently owed on the line of credit.  For example, if you have a HELOC with a loan limit of $30,000 and you currently have a borrowed balance of $20,000, the current lien value would be the balance owed plus any HELOC prepayment […]

November 2nd, 2016|Tags: , , |
  • Six HELOC tips to consider when looking for a HELOC

Six HELOC Tips To Avoid Seeking Future Debt Relief

A HELOC (home equity line of credit) is a revolving line of credit issued by a lender based on the equity available in the home.  Just like a home equity loan, the home equity line of credit uses  the borrowers home as collateral.   Unlike a home equity loan, the HELOC allows the borrower to use and pay back money as needed up to the credit limit for the term of the line of credit.

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October 24th, 2016|Tags: , |
  • Second mortgage debt relief options include debt settlement

Second Mortgage Debt Relief Options

Home equity loans and home equity lines of credit (HELOC) are good options for many people that have equity in their home and want to leverage that equity to cover additional expenses.  The  primary advantage of these types of loans is that they typically have a much lower interest rate than other types of loans, or lines of credit, because they use the home to secure the debt.

Unfortunately, if the borrower […]

October 11th, 2016|Tags: , |
  • A HELOC is a home equity line of credit.

What is a HELOC?

A HELOC (home equity line of credit) is a revolving line of credit issued by a lender using the borrowers home as collateral.   Similar in some ways to a credit card, the HELOC allows the borrower to use and pay back money as needed up to the credit limit.

The size of the line of credit issued for a HELOC depends on a number of factors including the borrower’s credit score and the amount of home […]

October 3rd, 2016|Tags: , |

What is Debt Settlement?

Debt settlement is a service offered by a debt relief company that involves negotiating with your creditors to accept a lump sum payment that is lower than your total accumulated unsecured debt. Only unsecured debt can be negotiated with Debt Settlement.  Debt settlement can be accomplished on your own or through a debt relief company. Using a debt relief company experienced in these types of negotiations will usually result in higher debt reduction agreements with […]

July 26th, 2016|

Debt Settlement Vs Bankruptcy

Debt settlement is a service offered by a debt relief company that involves negotiating with your creditors to accept a lump sum payment that is lower than your total accumulated debt.  See this link to find out more about debt settlement (link to other blog post about ‘what is debt settlement’ here).

Bankruptcy is legal action taken to wipe away your debts partially or entirely. There are two main types of bankruptcy: Chapter 7 and Chapter […]

July 15th, 2016|

Should You Use Savings to Pay Off Debt?

Financial crises! 

John is mired in a truly bad month.  He needs an emergency root canal and his transmission is slipping badly.  His landlord just decided to sell so he needs a moving company quickly and he received a pink slip yesterday when his company was purchased.  His daughter is short on tuition money for next semester and his wife just filed for divorce after running up his credit card balances to their limits of […]

How to Make Time and Money Management Work for You

Money management can seem like a daunting task when it feels like there is very little time. We all have many responsibilities that seem to keep us from completing this task effectively or in a timely manner.  Money management itself can also be a stressful topic for many people especially if it is an area of struggle. It is important to understand your connection with money and why you have that connection. If it […]

How to Have a Money Mindset and Achieve Financial Prosperity

Personal finance involves creating a budget, investing and saving for the future. However, knowing the building blocks for a personal financial foundation will not bring financial prosperity. Using this knowledge along with the right money mindset to take action will bring financial success.

Personal Relationship With Money

To have the right money mindset, it is important to determine your current emotional tie to money. Sometimes our childhood or how we live dictates our connection with money. At […]

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