Anyone that tells you that you are going to destroy your credit by accepting a debt settlement or a debt negotiation program is not telling you the whole truth.
When choosing to work with any company and take advantage of their services, it is important to know the business is one you can trust. How do you determine this factor? PCS Debt Relief reveals one important factor that can help you determine the trustworthiness of a business.
Spring is already here! Are you lining up your finances for a home purchase this year? If you are not sure whether to put more money toward paying off other debts or your upcoming down payment, we have some tips for you. First, ask yourself these questions:
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.
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 […]
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 […]
As a small business owner trying to grow your business, the last thing you want is to see your company suffer financially. There are various methods to help you keep debt away from your business and profit in your pocket. Here are some of PCS’s tips for small business owners trying to avoid debt:
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 […]
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.
Again, your reasons are unique to you.
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 […]
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 […]
