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What does PDS do?

Our goal at PDS is to provide financial peace of mind by leading the customer to a path beyond debt with numerous financial solutions.

Below are the types of solutions we can help to match you with:

Lending options: If you meet the credit score and income requirements, you may be eligible for a personal or consolidation loan. Our partners can help you by facilitating a quick and easy search for approvals with numerous lenders. This allows the offers to come to you and decide on the best amount and terms for your situation. .

Debt settlement or debt resolution: Debt settlement programs aim to help individuals manage and reduce their debt burdens by negotiating with creditors on their behalf. Here’s how these programs typically work to assist in paying off debts:

  1. Assessment and Planning: When you enroll in a debt settlement program, the first step is a thorough assessment of your financial situation. This includes analyzing your debts, income, and expenses to determine a feasible strategy and affordable strategy.
  2. Saving for Settlements: Instead of making regular payments to your creditors, you make monthly deposits into a designated account. These deposits accumulate over time to fund settlement offers to your creditors.
  3. Negotiation Process: The negotiator assigned to your case communicates with your creditors to negotiate a reduced payoff amount.
  4. Acceptance and Payment: If a creditor agrees to a settlement offer, you use the funds accumulated in your designated account to pay the agreed-upon amount. This process continues until all enrolled debts are settled.


  • Reduced Debt: Debt settlement programs can potentially reduce the total amount you owe by negotiating lower payoff amounts. Saving you time and money in the process of paying off your debt.
  • Structured Repayment Plan: They provide a structured approach to managing and paying off debts, often with a clear timeline to show when you’ll be free from all of your debt.
  • Professional Negotiation: Experienced negotiators may have better success in reaching settlements with creditors than individual debtors.

Downsides to Consider

  • Credit Impact: Settling debts can have a negative impact on your credit score as you are voluntarily choosing to no longer pay your creditors. Late payments and other items reported to your credit can cause a negative impact
  • Account Closures: Any accounts you enroll into a debt settlement program will end up closing and will not be available for use.
  • Legal Action: In some cases, creditors may take legal action in an attempt to collect unpaid debt.
  • Creditor Calls: Creditors or collectors have a right to contact you if you are failing to pay on a debt. We do our best to provide tools and methods to limit or avoid these calls.

Debt settlement is a viable option for debtors facing significant financial challenges, but it should be approached carefully, ideally with professional guidance, to understand the potential consequences and ensure the best possible outcome.

It is important to remember that each method to becoming debt free has different pros and cons. At PDS, our options may not be for everyone. We work to analyze your debts and discuss a plan to ensure you feel confident in the best way to move forward. The easiest way to explore your options is to complete a debt assessment and sync up with one of our specialists.

There is no one-size-fits-all solution to becoming debt-free and all of our clients come to us at a different time in their financial lives. PDS pairs with an extensive partner network to offer programs and solutions tailored to your specific needs, budget, and future financial goals. Whether you are going through a serious life hardship or just can’t seem to keep up with the high interest of your credit cards, PDS could be a good fit to match you with a custom solution to give you instant relief and start saving you money.

Our Leadership team is composed of individuals who have extensive experience and expertise in the financial solutions and debt management industry. Join the PDS family today and see what solutions are available to you.

Frequently Asked Questions

PDS utilizes the latest financial data and our own proprietary technology to match you with perfect options for your situation. We know at PDS there is no one size fits all solution to becoming debt free. All options can be customized depending on your budget, stage in life, and financial priorities.

Seeing what you are eligible for does not cost you anything. Upon approval, we will detail the exact costs and numbers associated with the solutions that you are eligible for. With any solution, we don’t earn a dime until the work is done and the debt is being paid down. All fees are related to performance and the work must be done in order for anyone to get paid. At PDS, we pride ourselves on transparency and making sure our clients understand each step of the process.

It only takes us a couple minutes to evaluate your debts and determine your eligibility. Within minutes, you will be able to see your estimated savings, eligible creditors, and additional program details. Our goal is to start saving you money as quickly as possible!