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.
  • Get out of debt and improve your health

Is Debt Affecting Your Physical And Mental Health?

Is Debt Affecting Your Physical And Mental Health?

Is Debt Affecting Your Physical And Mental Health? More than likely it is. Scientist have linked the burden of debt to some serious medical conditions. Just as we may lose sleep or grow anxious over any unresolved problem debt impacts our stress levels in the same way.

There is a national understanding that when you become an adult you will accrue debt. […]

September 20th, 2017|Tags: , , , |
  • Budget-with-PCS-for-financial-success

Why is a Budget Essential to Financial Success?

Why is a budget essential to financial success? Boundaries are essential to keep anything in place. If you want to keep your finances under control then you must first define your financial limits. Entering your income and expenses on a worksheet is the simplest way to create your budget. There are even websites that offer these templates for free! 

What goes into a budget? To get started, list your essential expenses. These […]

September 10th, 2017|Tags: , , |
  • Get out of debt with debt settlement

Is Debt Settlement The Best Way to Get Out of Debt?

Is Debt Settlement The Best Way to Get Out of Debt?

You’re shoulder deep in debt, overwhelmed, and unable to pay off lenders. Now what? Doing nothing will only exacerbate the problem. There truly is no better time than the present to get out of debt. You have options, let’s explore them: Bankruptcy, Debt Consolidation, and Debt Settlement.

Bankruptcy is a sure way to get out of debt. However this comes […]

  • Will lenders lend to me after debt settlement?

Will Lenders Loan to me After Debt Settlement?

Will Lenders Loan to me After Debt Settlement?

The short answer is yes, absolutely. Creditors are strong believers in second chances. It is in their best interest after all. You will be able to borrow and it is important to diversify your types of credit accounts in order to repair your credit quickly after debt settlement. To get started we need to prove your worthiness to borrow responsibly.

The best […]

August 18th, 2017|Tags: , , , , |

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.


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.


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|
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