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

Here are some resources that cover from Bankruptcy Alternatives, How To Deal with Business Debt, Freedom of Debt to Stop Annoying Creditor Phone Calls. Please take a look and receive some helpful information.

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|
  • 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: , |

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 […]

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: , , |
  • Effective Debt Relief

How To Avoid Student Loans

The school year has begun, and millions of students are heading back to college. Amidst all the hustle and bustle of schoolbooks, supplies and moving into college dorms is the stress and anxiety that comes from all the expenses incurred by attending college. So, how do you avoid student loans? Below are five tips for smart student loan borrowing.


  1. Choose your school wisely – Make sure your post-graduate salary will support the cost of the school […]
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