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Are you being turned down for home loans, refinancing, automobiles, department store cards, or even gas cards? Our experienced team has helped thousands of people restore their credit.

Investing in Your Future

Investing is when you commit to saving your money for a project or your future. If you search the phrase “Investing in Your Future” you will be inundated with stock market sites and investing opportunities. Stocks, bonds, and annuities all carry market risks, interest rate risks, and the potential loss of capital. Though the goal of investing is to make more money, there are no guarantees with investing. What if you could invest without the risk? […]

2018-06-05T13:31:03+00:00 June 5th, 2018|Tags: , , |

Insolvency and How it Relates to my Settled Debt

How do you know if you qualify for insolvency? According to the IRS, a taxpayer is insolvent when your total liabilities exceed your total assets. What does this mean for someone who has already settled their debts? The forgiven debt may be excluded as income under the “insolvency” exclusion. Normally, a taxpayer is not required to include forgiven debts in income to the extent that the taxpayer is […]

2018-05-29T15:18:30+00:00 May 22nd, 2018|Tags: , |

Tips for Running Your Business on Credit Cards

Whether you are a small business or a large corporation, credit cards are a useful tool when managing your business expenses. Credit cards make it easy to spend money, but their high interest rates can also quickly hurt your business’s finances. This week, PCS Debt Relief offers you tips for running your business on credit cards and what you can do to stay in control of spending.

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5 Ways to Curb Credit Card Spending

It is easier said than done when someone tells you not to spend too much money on your credit cards, especially if you have become reliant on them. Instead of offering you a list of tips that can be hard to follow, PCS Debt Relief wants to give you some solutions that will help you restructure the way you think about credit card spending.

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2018-05-29T15:23:25+00:00 March 20th, 2018|Tags: , , |

What Impacts Your Credit Score?

Credit scores have always been rather nebulous. There are various speculations about how they are calculated and what they impact. This week’s blog explores what your credit score actually impacts. It is common knowledge that your credit score determines your approval for large purchases like homes or cars. They can also affect your eligibility when opening a new credit card account. What many fail to realize is the impact your credit score has on day-to-day […]

2018-05-12T22:09:10+00:00 March 13th, 2018|

How to Take the First Step Toward Debt Settlement

Admitting that you need help can be hard for some people and it can be even harder to ask for help when you’re in debt. How can you achieve financial stability? How could you possibly reclaim your life on your own? Are there debt relief options that are right for me? How do I know I can trust another company to get me out of debt? The questions are endless, but they shouldn’t have to […]

2018-05-12T22:09:10+00:00 March 6th, 2018|Tags: , , |

What is DTI, and why is it important?

If you are seeking a mortgage loan or major financing, you may have heard the term DTI used. This is your Debt-to-Income ratio and it can affect your eligibility for loans. The ratio is determined by dividing your total monthly debt payments by your total monthly income after taxes and deductions. Lenders prefer your DTI to be around 43-47% max. This tells lenders you are not that great of a risk for defaulting on the […]

2018-02-26T16:59:13+00:00 February 27th, 2018|

How Your Tax Refund Can Jumpstart Your Financial Recovery

Each year, as taxpayers, we receive a portion of what we are owed from federal and state tax refunds. This refund can help those in financial hardships recover quickly, as most refunds are deposited 21 days after you file your claim to the IRS. This refund can also serve as a bonus to repay yourself if you are ready to take a vacation or want to make a special purchase for yourself.

Your refund can be […]

2018-01-30T13:14:01+00:00 January 30th, 2018|Tags: , |
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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.