(636) 209-4481
  • man carrying rock

The Process of Credit Card Debt Settlement

Credit card debt settlement is the process of negotiating with credit card companies to accept less than the total amount of your balance. This option can understandably bring up a lot of concerns and questions for people.

Should I Work With a Debt Settlement Company?

Debt settlement companies are typically for-profit companies that negotiate on your behalf with creditors to reach an agreement on an amount you […]

  • credit cards spread out

How to Use Credit Cards to Build Credit

The amount of credit card accounts you own along with the length and quality of your credit history affect your credit score.  They show your ability to manage your budget regularly over time, even when you’re offered opportunities to go beyond your budget. If you never borrow money at all, it’s difficult for creditors to anticipate how reliable you’ll be when you do.

Credit card issuers report your account and […]

  • woman on floor doing budgets

Signs You Need to Begin a Credit Card Debt Settlement Program

Coming to grips with credit card debt is never easy, especially considering the COVID-19 pandemic. Life happens, whether it’s due to a divorce, accident, loss of a dual-household income, or medical concern. As a matter of fact, of those who say their household financial situation has gotten worse since the pandemic began, 45% say they’ve taken on debt because of it. You’re not alone, as countless Americans continue to find ways to address credit card debt […]

  • scammer on phone

How to Recognize a Debt Collection Scam

Owing debt is stressful enough without having to worry about debt collection scams. Sometimes creditors will “sell” debt to legitimate debt collection agencies who will pursue you for payment, but how can you know that it’s not an imposter trying to get money and personal information from you unfairly?  Here are some tips to help you spot the scams.

Don’t be afraid to ask a lot of questions.

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.