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

We have helped many individuals avoid bankruptcy by saving substantial amounts on their credit cards, vendors, collections and judgments.

  • 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: , , |

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 […]

Using Money Management to Get Out of Debt

Money management is the process of budgeting, saving, investing, spending or otherwise determining how to use the cash you receive as income.  It can be a struggle to effectively manage your money when you need to provide for your family, plan for retirement and have money set aside for emergencies.

Money dictates our quality of life, the kind of home we live in, what we can buy and our emotional state.  Sometimes life challenges occur such […]

December 3rd, 2015|Tags: , , |
  • Your have options on how to reduce your debt

Life Happens – Options For Reducing Your Debt

Whether its medical bills, car repairs, rent increase, or other unplanned expenses – Life sometimes gets in the way and you find yourself spending more than you have.  There are times when you just don’t have a choice and you have to spend well beyond what you have just to keep going.  So if you find yourself staring at those unbelievably high bills with ever higher interest charges then maybe it’s time to step back […]

FICO Credit Score Changes

FICO Credit Score Changes are Bringing More Fairness to Lending Decisions

What is FICO?
FICO credit scores, which have become consumers’ financial passport to just about everything from rental apartments to most loans, are based on the information in an individual’s credit reports, which are generated by the three major credit bureaus: Equifax, Experian and TransUnion. The scores are based on a 300- to 850-point scale. A good credit score furthers your borrowing power and financial opportunities.

Below […]

December 8th, 2014|
  • Business Debt Restructuring

Small Businesses: Choosing Debt Relief or Bankruptcy!

Choose Bankruptcy or Debt Relief For Your Business?

To answer this question, you have to know what has caused the problems the business now faces and what are the prospects for change. If your business is in trouble, how do you determine if bankruptcy or debt relief is necessary or helpful for your situation?

Is the business a corporation, a partnership, or a proprietorship?

  • Corporations, limited liability companies (LLC) and partnerships are legal entities separate from their shareholders or […]
  • Consumer Credit Counseling Services

Benefits To Seeking Consumer Credit Counseling Services

Are you unsure where your next paycheck is coming from? Have you exhausted all your options just to make your minimum monthly payments? This may be just the solution you need to get your finances in order. Consumer Credit Counseling Services, also known as CCAS, is a popularly advertised debt relief program available for clients that have a racked up credit card debt. If you have credit card debt and […]

  • Watch out for debt relief scams.

Credit Counseling Scams and How To Avoid them!

Don’t Get Scammed

When a person acquires large enough amounts of debt to the point they can’t keep up with their payments and are facing the reality of bankruptcy and losing everything they’ve worked hard for, financially, life can feel as if it couldn’t get any worse. Unfortunately, there is debt counseling agencies around that are waiting for a consumer to happen upon them with that exact assumption.

They extend their hands with a facade of friendliness […]

Load More Posts