Best Credit Card Settlement Companies
St Louis MO

PCS Debt Relief is one of the Best credit card settlement companies St Louis MO who has provided unmatched support for wide customers by prioritizing clients’ needs. We take pride in our reputation for honesty and integrity, as well as the positive feedback we continue to get from our customers.

About PCS Debt Relief

We are the best credit card settlement in Saint Louis city. We do debt settlement right by charging NO UP-FRONT Costs, NO Recurring FEES, and NO CANCELLATION FEES! Our plans provide optional call or in-person advising sessions to ensure that our customers are relaxed and updated over the duration of the service.

credit card settlement companies St Louis mo

Our History

Established in 2010.

In the mid to late 2000’s, when the recession(s) began to hit, there were many lawyers and credit counseling companies popping up everywhere, and charging people in need outrageous fees, often without even settling their debts, and running away with the money. We wanted to create an honest, ethical, and affordable solution to help those in need get back on their feet. As a leader in the debt relief industry, PCS Debt Relief believes not one solution fits all. By providing numerous debt management options under one roof, our clients have the opportunity to explore and understand all the solutions. 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.


Our Services staff has the knowledge and skills to assist you in transforming your company to achieve and surpass your objectives. PCS’s remarkable service has made it the best credit card settlement in Saint Louis city. Our primary service areas include Credit Card Debt Settlement and Financial Debt Consulting.


Specializing in Unsecured Credit Card Debt of $10,000 and Higher! PCS Debt Relief has a NO Up-front Fees or Charges, NO Early Cancellation Fees and NO Monthly Charges Policy. Our fees are 100% performance based and up to 50% less than other agencies. This allows you to get out of debt faster working with us. Call PCS Debt Relief and talk to one of our Debt Analyst with any questions you may have to help you Understand all your options. We are BBB Accredited and part of the BBB Reliability Community. We are the most trusted and reliable debt relief agency in the industry.

Credit Card Settlement Companies Near Me

We also serve in following areas:


McFadden Hunsicker

I'm stunned; in less than a year, three of my four accounts have already been deleted. I never imagined I'd be able to get out of debt so quickly. It's refreshing to see people who follow through with their promises. I'm glad I came across you all. PCS is one of the best debt settlement companies near me.

Nelson Fred

I'd like to express my gratitude to PCS Debt Relief's workers for their excellent support. You have far surpassed my hopes after just six months with your company. Thank you for settling my Chase account at a 35 percent discount, which is a significant saving. I've even told my closest friends about you.

Victoria Schroeder

I'm still reeling from the fact that you saved me 75% on my Bank of America deposit. I sound as if a massive weight is put aside from my back. I was practically running around my office in joy when you sent me an email with the agreed deal. I hope this email brightens your day as much as it has brightened mine.

    Frequently Asked Questions

    Your credit score will be negatively affected when enrolled in a credit and financial debt consulting settlement scheme. Since finishing the program, the debt-to-income ratio (which accounts for one-third of your credit score) would significantly change, resulting in a higher credit score. Since you haven’t done much with your mortgage, your debt-to-income ratio will likely be increased, which would gradually lower your overall ranking. Eventually, the credit will improve.

    • Step 1 Talk with a PCS Debt Analyst – Free consultation to review your current situation
    • Step 2 Your PCS Debt Analyst will create a free Credit Card Debt Settlement Plan that details the anticipated reduction of your debt.
    • Step 3 Your PCS Debt Analyst will negotiate a settlement working on your behalf with each of your credit card companies.
    • Step 4 You will pay the negotiated settlement to the credit card company within a specified period.
    • Step 5 You will pay PCS Debt Relief fees based on the amount the debt was reduced.
    • Step 6 The credit card debt obligation will be closed, and you will enjoy being credit card debt-free!

    We don’t have any up-front or subscription rates, and we don’t have any cancellation costs. Our payments are calculated based on results (how much money we save you) after an account has been settled and finalized. Our payments are not received until there has been a drop in loans.

    • Example: The program fee is 20-25% of savings depending on the state you reside in.
    • Example, if your debt is $30,000 and the debt is negotiated down to $17,000, the savings are $13,000. The PCS Debt Relief fee would be 20-25% of the $13,000 or $1,950-$2,600.

    You can settle your accounts the same way as you can defend yourself in lawsuits without hiring an attorney to cure yourself without seeing a doctor. Is it suggested? No, which is why we recommend recruiting skilled negotiators like those at PCS Debt Relief. Allowing yourself to make a hasty financial decision about your savings and wellbeing is not a good idea. Panic will lead us to make decisions without considering the consequences.

    If you have a low or limited credit history, it may take 12 to 24 months for your credit score to rebound from the period you paid off your last debt. In any case, debt settlement will favor you if it guarantees you won’t miss any payments.

    Get in Touch



    (636) 209-4481