We can help you with most credit card accounts, HELOCs, and many other unsecured debt accounts.

It depends on the program you are enrolled in.  You will be given your program options based on your income, budget and amount of debt you have accumulated. A debt advisor works to help you chose the most feasible program and will never leave you wondering what is going on with your debt plan. They are here to give you the best advice and guidance. A debt advisor will explain everything, including who to make […]

There are many different collection practices prohibited by law.  Debt collectors are not allowed to engage in abusive or deceptive bill collection practices.  They are not allowed to call you at work or call your family.  If they are calling you at work or your family members for a payment, then that is considered harassment.  If you feel that you have been harassed in any way or not treated respective, please let us know and […]

Yes, most of the clients we help are not behind on their payments but are struggling or stressed out about their debt. We are here to advise anyone that is seeking guidance. We are not limiting our advice to only those on the verge of bankruptcy, but to anyone that is finding they have issues budgeting their accounts, making bills on time and simply trying to raise their credit score.

A debt advisor will help you find the best solution for your circumstances. When you can’t pay the amount of your debt, it is best to contact your creditors. Ignoring their calls and refusing to make a small payment only frustrates them, causing them to constantly call and send notifications. When you are honest about a situation the creditors are often willing to lower the amount or suspend your payments for awhile.

While in a debt management program it may be difficult to get a mortgage. When you have a low credit rating and a bad credit score it is difficult to get approved for any type of loan. It is best to clear yourself of debt before taking on any additional financial responsibility.

You can settle your own accounts just like you can represent yourself in court without an attorney, and treat yourself without a doctor.  Is it recommended? No, and that is why we suggest hiring experienced negotiators like we have at PCS Debt Relief.  Don’t allow yourself to make a hasty financial decision in regards to your savings and livelihood.  Panic can drive us to make choices without being aware of the risks involved.

There is always a possibility that creditors will try to garnish your wages. The risk of garnishment can occur when working with some debt relief agencies. It is very important to seek the help of an agency that has processes in place to minimize any risk of garnishment. With the form and procedures we use for PCS Debt Relief plans we greatly reduce this risk.   Only about .05% of our accounts have ever resulted in […]

Each agency has different fees and payment policies. Most agencies have a wide range of fees from start-up to monthly fees. When doing your research on a debt relief agency, you need to ask about up-front cost, monthly fees and payments. You will always want to seek help from the debt relief agency that is going to cost you the least amount of money and hassle. We do NOT have an up-front fee policy, so […]

Our debt analysts will go over your current income and monthly expenses to determine a plan and budget that specifically fits your financial needs. Our goal is to relieve you of debt at a pace that is most comfortable for you.