Struggling with Debt? You've Got Options.
Debt can feel like a never-ending uphill battle, but you don't have to fight it alone. At PDS, we're here to break it down for you — no judgment, no pressure, just real solutions.
Take a Free Debt AssessmentWhere to Start: Bankruptcy Consultation
The thought of filing for bankruptcy can feel overwhelming, but with the right assistance, it doesn't have to be a nightmare. We help people every day who need bankruptcy counseling or just help figuring out their best path forward.
Bankruptcy Consultation from PDS
Think of us as your go-to bankruptcy counseling company — we take care of the heavy lifting so you can focus on getting back on your feet. Whether you need pre-bankruptcy counseling, want to explore debt consolidation vs. bankruptcy, or just need someone to walk you through the process, we're here.
Bankruptcy FAQ
Bankruptcy counseling is a required step before filing for bankruptcy. It helps you understand your options and decide if bankruptcy is the right path. PDS Debt offers guidance through this process.
Yes. Debt consolidation and debt settlement are common alternatives. Our team can help you explore these options before making a decision.
Debt consolidation combines your debts into one payment without the legal consequences of bankruptcy. It typically preserves your credit score better than filing for bankruptcy.
Credit card debt, medical bills, and personal loans can often be discharged. However, student loans, tax debt, and child support typically cannot be eliminated through bankruptcy.
Chapter 7 bankruptcy stays on your credit report for 10 years, while Chapter 13 stays for 7 years. This is why exploring alternatives first is important.
Ready to Talk?
Every person's financial situation is different. Our team at PDS can provide insight and help you make an informed decision.
Take Our Free Debt Assessment