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These bankruptcy alternative articles will discuss many ways to reduce your debt other than filing for bankruptcy. Before filing for Chapter 7 or Chapter 13 bankruptcy make sure you know your options.

What Happens After Bankruptcy?

Why you filed bankruptcy is your business. What happens after filing bankruptcy and your evaluation of what lead you to do so that can help your future financial goals.

Choosing to file bankruptcy is a personal decision.

  • Unexpected or sudden job loss?
  • Overwhelming medical expenses?
  • Unmanageable or out of control debt?

Again, your reasons are unique to you.

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2018-05-12T22:09:10-07:00 January 23rd, 2018|Tags: , |

Am I qualified for Debt Settlement?

When you are faced with a financial nightmare and aren’t sure what options you have, our credit advisors can help you determine your best option. This solution might be credit counseling, debt settlement, or applying for reduced monthly payments and lower interest rates with your creditors. The preferred method of eliminating debt is often debt settlement, but you must be eligible for this program. That leads us to the question, “Am I qualified for debt […]

2018-01-16T14:03:39-08:00 January 16th, 2018|

How to Stay Debt-Free with a Slight Shift in Perspective

The word “debt” sounds as heavy as it feels. And it doesn’t matter if you’re under a mountain or a small mound of it.

Eliminating debt is one thing. Staying out of debt is another.

Each can have a lot to do with your perspective or your mindset about it.

Financial writer, Holly Johnson reminds that getting free from debt isn’t that you’re “…smarter or better than people who just can’t seem to get out of debt; very […]

2018-05-12T22:09:10-07:00 January 9th, 2018|Tags: |

A Guide to Becoming Debt Free

If you realize your spending has gotten messy and needs some cleaning up, here is what you might want to do. Develop a list of your credit card balances, all outstanding balances for that matter. Then, once you have a clear picture of what you owe, organize the debts from least to greatest. Pay off your debt beginning with the smaller account balances. The best way to do this is to make your minimum payments […]

2017-12-19T12:34:24-08:00 December 19th, 2017|Tags: , , , |

Six Steps to Dig a Business Out of Debt

With lenders tightening the reins on borrowers and prices for everything on the rise, many companies are straining under the weight of growing debt. Don’t believe that bankruptcy is your only option. Here are six ways you can get your company out of the red permanently:

 

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2018-05-12T22:09:10-07:00 December 5th, 2017|

All I Want For Christmas Is To Be Debt Free

How about putting yourself first this holiday season? Let’s take a moment to consider what you really want. More than likely it is peace of mind. Your credit standing impacts your peace of mind heavily. Let this year be different than last year, the year before that and all the years you can recall where you spent beyond your means and then paid for it all year long.

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  • Going Out Of Business

Government Regulation of Business Forcing You to Bankrupt?

Is Your Business Surviving?

One in three small businesses in the United States are concerned with government regulation of business forcing you to bankrupt or go out of business all together. Small-business owners have stated in polls that their biggest challenge in the last two years has been government regulations. According to studies, American business owners believe that regulations enforced by the United States government is detracting from their growth. Government regulations on businesses are heavier […]

  • Debt Relief or Bankruptcy

Choosing Between Debt Relief or Bankruptcy

Which is Better? Debt Relief or Bankruptcy?

Consumer debt is at an all-time high—resulting from student, debt, business debt, educational debt, medical debt, or unemployment. Overwhelming emotions arise from debt, the feeling of anxiety and hopelessness cause frantic behavior and choices. The urgency to have a clean slate causes rash decision making in regards to debt. Debtors must understand the difference between choosing debt relief or bankruptcy.

One of the biggest […]

  • 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 […]
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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.