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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.

Using Credit Cards To Improve Your Credit Score

We all know that credit cards impact your credit score. But there are so many unknowns when it comes to how to use them to your advantage. Opening a line of credit is one of the easiest ways to begin establishing a credit history. But, applicant beware as there are some things to consider first.

 

How many credit cards is the right amount? A healthy number of credit lines (including credit cards) is anywhere from 11 […]

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 […]

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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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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A Holiday Season That Doesn’t Break The Bank

Too good to be true?

Absolutely not! The holidays are a time for giving, but to what extent? Do you give so much that you must then go without? This is often the case for shoppers caught up in the mob mentality around sale shopping. It is much harder to shop with restraint with shoppers around you grabbing every markdown item. Whether you realize it or not, this scenario does affect the way in which you […]

  • What Does Debt in Mid America Look Like?

What does Debt in Mid America look like?

What does Debt in Mid America look like? So many of us in Mid America live conservative
lives with a regular job, a house, a car, perhaps even a spouse and children. This may all be
apparent from the outside looking in. What goes without notice is the all too common factor of our
burdensome debt. Mid America Debt is not typically comprised of a flashy car or boat like our neighbors to the east and west coasts. […]

What is Debt Settlement?

Debt settlement is a service offered by a debt relief company that involves negotiating with your creditors to accept a lump sum payment that is lower than your total accumulated unsecured debt. Only unsecured debt can be negotiated with Debt Settlement.  Debt settlement can be accomplished on your own or through a debt relief company. Using a debt relief company experienced in these types of negotiations will usually result in higher debt reduction agreements with […]

July 26th, 2016|

Should You Use Savings to Pay Off Debt?

Financial crises! 

John is mired in a truly bad month.  He needs an emergency root canal and his transmission is slipping badly.  His landlord just decided to sell so he needs a moving company quickly and he received a pink slip yesterday when his company was purchased.  His daughter is short on tuition money for next semester and his wife just filed for divorce after running up his credit card balances to their limits of […]

4 Concerns You May Have About Credit Card Debt Settlement

Having too much credit card debt is stressful and finding a way to ease your debt can be confusing since there are several options available to you.  One of these options, credit card debt settlement, has the potential to significantly reduce the amount of your credit card debt you have to pay.

It sounds great, but we have found our clients almost always have these 4 concerns when they are trying to decide whether or not […]

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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.