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If your business is in trouble, how do you determine if bankruptcy or debt relief is necessary or helpful for your situation?

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How to Get Your Small Business Out of Debt

Debt relief may be in sight for small business owners in 2021.

Amidst the COVID-19 pandemic, small businesses across central and southern California have had to face the troubling reality of shuttering their businesses for a period of time if they were not deemed essential or substantially cutting back on hours and capacities. This has impacted small business owners everywhere, with some having to close their doors for good […]

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Steps to Take Before Filing for Bankruptcy

Due to the coronavirus pandemic, many people who may never have thought they would be in financial trouble are considering filing for bankruptcy due to lost income. But before filing for Chapter 7 or Chapter 13 bankruptcy, it’s important to be aware of all your options.

Bankruptcy should never be the first option for debt relief, even though it is often suggested by lawyers prematurely. When you file any form […]

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Using Debt Well as a Small Business

Debt can understandably be a scary word, especially knowing that extreme forms can potentially lead to bankruptcy. During this pandemic and the financial challenges that it has brought with it, debt may be impossible to avoid.  Before you start to feel hopeless, however, remember that there are two sides to every coin.  Believe it or not, leveraging debt is very possible and can actually be a useful tool to help grow your revenue. […]

Staying Hopeful While in Debt

Financial stress caused by debt can bring out the worst in us if we let it. Staying positive can often be hard when we’re burdened by financial problems. Trying to pay off debt can be a strenuous endeavor, which is why it’s important to remind ourselves to remain hopeful during the process.

Here are some ways to stay positive amidst financial debt: […]

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5 Myths Debunked – Debt Collectors

One out of every ten Americans came out of the 2009 financial crisis with one or more debts in collections according to the Consumer Financial Protection Bureau (CFPB). Debt collection can be especially intimidating if you don’t know your rights. There is a lot of misinformation on the internet about how to deal with debt collectors and what they can and cannot do that can fuel this anxiety.

Believing the myths about debt collectors can […]

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Budgeting 101: The 50-20-30 Rule

Do you know where your money goes each month? Do you have a set budget that you routinely stick to? Just the thought of your finances can raise your anxiety but creating and sticking to a budget is essential to a successful financial future, especially if you’re already swimming in debt.

You do not need to be a financial expert to understand how much money you have to spend each month, you simply need to follow […]

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7 Ways a Small Business Can Get Ahead This Holiday Season

Some people may dream of sugarplums, but for business owners there is only one thing that matters during the holiday season: sales. The next few months are the make or break time for many small businesses that are facing financial hardship. A great holiday season can dig your business out of debt, while a bad season can dig yourself deeper.

Last year retail sales rose 5.1 percent between November first and December 24th, and total […]

November 11th, 2019|
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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.