(636) 209-4481

How long will it take me to pay off my debt using a consumer credit counseling service?

This is not a straightforward answer.  Everyone’s length of time with the program depends on their unique situation. There are several factors that must be considered. Two of these factors are the creditor and the debtor. It depends on how much debt you have and how much you are able to pay back each billing period and whether the creditor will accept the terms under which you can pay back your debt. Typically consumer credit […]

July 6th, 2016|

What is the difference between credit counseling and debt management?

Credit counseling offers education to clients about how to avoid debts that cannot be paid off and have specific programs that reduce your interest and combines your debt into one payment which is distributed to your creditors.

Debt management is a formal agreement between the debtor and the creditor. It is any program that helps you manage and pay off your debt at a reduced amount over a period of time.

July 6th, 2016|

How do you apply to be part of a debt relief program with PCS Debt Relief?

You can contact us by clicking on the form on the right-hand side of this page and a debt advisor will contact you to get started on the debt relief program that works for you.  The PCS Debt Relief team wants to help you understand the myths and truths behind your credit score and debt. Please, do yourself a favor and schedule a debt consultation where we can better educate you in the process of […]

July 6th, 2016|

What information will my advisor need from me to get started?

You will need to itemize your income sources, important financial transactions within the past two years, monthly living expenses, debts (loans and credit card balances), and property (all assets and belongings). We will also need the  last two years of your tax returns.

July 6th, 2016|

How do I set up an appointment?

To set up your free consultation with a PCS Debt Relief analyst fill out the secure contact form on the right.  A debt analyst will contact you within one business day.  Consultations can also be set up by calling (636) 209-4481.

July 6th, 2016|

What is a debt consolidation program?

A debt consolidation program is a formal agreement between the debtor (you) and the creditor(s). Debt consolidation programs are designed to consolidate and manage your debt into one program. It helps reduce outstanding debts at a reduced payment level over a span of time.  Each program is tailored around the individual’s financial situation. To gain a better understanding of which plan works best for a debtor an analyst reviews your income and monthly expenses.

Debt consolidation […]

July 6th, 2016|
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