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PCS Debt Relief

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LAST UPDATED: March 29th, 2022

PCS Debt Relief has a combined experience of 30 years with $50 million in settled debts, offering consumers a variety of services including debt settlement, consumer credit counseling, debt consolidation, credit repair, bankruptcy, loan modification, tax relief, and pre-paid legal.

For the purpose of this review, our focus will be on the debt settlement services provided by this company. Potential customers can call PCS Debt Relief Monday through Friday, 9 AM - 5 PM. Because the company is involved in so many different types of debt relief, PCS can find the program that best suits you. During a free consultation, a PCS financial counselor will offer unbiased advice and create a plan for becoming debt free.

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The Good

  • Low Fees
  • Free Debt Advice
  • Available in Every State
  • Money-Back Guarantee

Low Fees

Right out of the gate, the first thing to know about PCS is that they only charge 15 to 20 percent of the debt saved with their service, considerably less than most of the competition. We appreciate that PCS Debt Relief shows us what they can typically save you when working with major creditors. Below is a sample of what they have settled accounts for:

  • Bank of America: 25 percent of what was owed
  • American Express: 50 percent of what was owed
  • Discover: 38 percent of what was owed
  • Chase: 28 percent of what was owed

Free Debt Advice

Almost every debt settlement company offers a free consultation over the phone. PCS's free debt phone call seems to go above and beyond the average advice offered. Included in the free advice is: an overview of your debt relief options (not just debt settlement), a budget analysis, and a debt relief plan tailored to you. All of these services are provided with one debt advisor who will work with you throughout the process.

Available in Every State

In addition, they are available in all 50 states, offering a nationwide service area that is rare in the industry. It is rare to find a debt settlement company that is licensed in every state.

Money-Back Guarantee

Clients seem to appreciate that they offer free consultations and easy account setup covered by a money back guarantee, showing confidence in their service.


The Bad

  • Limited Industry Experience
  • No Industry Accreditations
  • High Debt Requirement to Sign Up

Limited Industry Experience

PCS hasn't been in business for as long as most of their competitors. Although they boast 30+ combined years of industry experience amongst their staff, the business itself has only been running since 2010.

No Industry Accreditations

As an additional cause for concern, PCS Debt Relief has no IAPDA or AFCC industry accreditations. Companies that are accredited have to uphold industry standards that produce quality services. A potential customer should consider accreditations when choosing a company to work with. We were unable to tell if the company is 100 percent FTC compliant.

High Debt Requirement to Sign Up

Last, but not least, PCS does require clients to owe at least $20,000 in debt to qualify for their services. This minimum debt requirement is much more than than the industry standard of $7,500. 


The Bottom Line

Although PCS has a few good things going for it, especially price, it has yet to establish a track record or obtain the major industry credentials. They may be a good fit for those who owe more than $20,000 in debt and are in a state not serviced by many competitors, but otherwise, we do not recommend them at this time.

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Michelle Beckman Saint Louis, MO

They help helped me save $62,000. I was fortunate enough to find them after my divorce. I simply cannot say enough good things about them.

8 years ago