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If you are interested in getting rid of your debt without having to file for bankruptcy, you most look at your financial status, come up with a plan that is going to be effective, and start taking steps to getting rid of your debt.

Why Vacation is Essential

Working a 9-to-5 job, 7 days a week can cause you to feel as if you are stuck in a rut from the mundane repetition. When the 2 days of the weekend we use to rejuvenate aren’t enough, we know it is time for a vacation. To clear your mind of the tasks and responsibilities of your job, it is necessary to relocate, relax, and recharge. Physically removing yourself from the environment where you get […]

2018-06-14T16:04:32+00:00 June 19th, 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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Easily Take Years off of Your Mortgage Loan

The interest you pay on any financed item doesn’t compare to the amount of interest you will pay on your mortgage loan. With that said, one of the most important things you can to do to be proactive in achieving financial stability is paying down your mortgage. Did you know you can take years off of your mortgage loan with one simple strategy? Making an extra payment to your mortgage can save you thousands of […]

2018-05-12T22:09:10+00:00 May 8th, 2018|Tags: , |

7 Smart Ways to Save Money Around the House

When we talk about saving money around the house, we don’t mean searching through your couch cushions to find a shiny dime or two. Instead, there are several ways to reduce your monthly expenses with small changes you can make in your household and lifestyle. PCS Debt Relief reveals the smartest ways you can easily save money around the house.

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2018-04-16T15:54:31+00:00 April 16th, 2018|Tags: , |

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|
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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.