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.
At PCS, our programs are tailored to the client’s specific financial needs. What sets us apart from our competitors is that clients see relief, before any payment is received. Our NO UP-FRONT FEE policy ensures our client’s a 100% satisfaction guarantee. We also do not charge any monthly fees or any cancellation fees. We want the client to feel comfortable during the whole process that’s why we allow them to be part of it every step of the way.
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