Hit by Soaring Minimum Payments?
Feeling "Trapped by Debt"?
There Is A Way To Escape The Debt Trap

Does This Sound Like You?

Do you worry about how much you owe?

Are you near or over the limit on your cards?

Are you only making the minimum payments?

Are you living from paycheck to paycheck?

Are you left with no money after you've paid all your bills?

Have you considered bankruptcy as a way out?

If you answered YES to any of the above, here's the solution you've been looking for!

Life may have hit you hard, but it's not necessarily your fault that debts and bills have become more than you can handle. Things such as INCOME LOSS, MEDICAL PROBLEMS and DIVORCE do happen and can easily push you over the edge. But there are solutions to struggling with never ending debt and endless payments that seem to go nowhere. If you are struggling and having problems, our goal is to free you of debt in the fastest most efficient way possible.

This site will answer many questions including your 5 options to handling debt, what credit really is, and how we can really help you become debt free again. We encourage you to read through the site and hope you find the information useful whether you decide to use our program or not.

We'll Show You How Our Average Client Can...

Be totally free of unsecured debt in just 20-30 months.

Eliminate debts for just 55-60 cents on the dollar, including all payments and fees.

Handle creditor harassment the effective way, by paying them off.

Avoid bankruptcy and other more stressful or failure ridden programs.

Wow, it feels like a very large weight has been lifted from me and not only that, I can finally relax when the phone rings, no more worries! From the very start I knew I was dealing with a professional and understanding team. I was always treated well and never felt looked down upon or that I was being “punished” for my situation. I especially want to thank my negotiator, she went above and beyond to help me. Many thanks, Christina Robinson, CO

Call for your free consultation Today at 800-404-8687 or CLICK HERE

Of course, if you're able to easily pay off your debts, you should – it is the right thing to do. We are not here just to eliminate debts for those who could easily pay them off. But if life has hit you hard or you just can't keep up, here is a much better solution than just giving up. To take part in a debt settlement program, you must have at least $10,000 or more in unsecured debt.

Four Reasons Why PBS Is The Right Choice:

Reason One: You keep 100% control of all your money in your own bank account. You know exactly where your funds are and have no worries that they could just disappear. You know exactly what is going on and are always in control of your money.  Because we never have access to your money, all settlement are approved by you prior to acceptance.

Reason Two: Our settlements are 100% performance-based and a flat percentage of what we save you. If we don't save you money on one of your cards, YOU WILL NOT PAY ONE PENNY IN SETTLEMENT FEES ON THAT DEBT!  If we don’t settle your debts and save you money, you don’t pay us. It's as simple as that.

Reason Three: We don't take a "cookie-cutter" approach to your finances. Your situation, needs and resources are uniquely yours.

The reason we can do this is that we have multiple ways to tackle your debts. We have our proven and powerful debt settlement program as well as a highly effective coaching and mentoring approach that we pioneered over the past several years to address debt resolution, depending upon which individual State you live in.

Or if your circumstances permit, we'll start you on an accelerated program with an affiliate that is designed to rid you of all debt - including your mortgage, in record time!

Reason Four: Our excellent track record. We have worked with thousands of individuals from all walks of life across America, of all ages and with debt amounts from $10,000 to over $400,000. In total we have eliminated over 50 MILLION DOLLARS in credit card debt during the many years we've been in business. You can see what many of our clients have to say about us or listen to clients "audio links" on the "Testimonials" page.

Please thank my negotiator on my behalf for all his counsel and kind help. I was so scared of the creditors and now that they PROVED themselves to be the rats they all are, all fear is gone. What is left is relief to know that YOU ARE ON MY SIDE. Thank you from my heart, Brenda McKee, MI

Call for your free consultation Today at 800-404-8687 or CLICK HERE

When To Take Advantage Of Our Free Consultation

If you are facing difficult decisions and need accurate information.

If your credit cards are at or over their limits and you can't continue making the payments.

If some of your accounts have already gone to collection.

If one more little thing goes wrong in your life, you are going to find yourself in bankruptcy court.

If you're nearing the end of your rope and need to know what your options are.

AND PERHAPS MOST IMPORTANTLY, because you need to take action now and handle your debt situation before it spins completely out of control.

Our free consultation is intended to help you make the right choice in handling your debt problems, regardless of what direction you decide to go. The call is completely confidential, non pushy and we assure you that we'll give you the right advice for your situation. There is usually a correct and workable solution for just about everyone, but they are not all the same.

But How Will Our Program Really Help You?

When was the last time you enjoyed a meal at a restaurant or bought a treat for yourself without some little part of you worrying if you could still pay all of your bills at the end of the month? Do you remember when you didn’t have a knot in your stomach or feel guilty when paying for everyday necessary items? Can you even remember what life was like before you were drowning in debt? Isn't it time to stop this now before it gets worse?

Whatever life decides to throw your way, it's easier to handle without crushing debt. One of our clients had a child with medical needs that put his credit cards way over the top. One year after completing our program, he called and thanked us. He said, “I thought you would like to know what life is like for me and my family 1 year after completing your program. Six months ago I was laid off from my job. We could have never made it if we hadn’t eliminated our debts and started saving money. We would have had to file bankruptcy. I feel that someone was looking after me when I found your program.”

How would life be different if you could awaken every morning free from crushing debt, if every day was more pleasurable, relaxing and rewarding? How about if you no longer had all the stress, anxiety and constant worry, no longer being a slave to a job, working every minute of overtime you can get and worrying about a second or even third job?

Being trapped by debt can drain you physically and emotionally as well add an incredible amount of stress and pressure to your life. Many divorces and countless arguments are due to the financial stress that debts add to the relationship. Who knows what health problems are associated with debt stress.

Having money to pay your bills and zero debt tends to improve your attitude and outlook on life. You become a better person with the freedom to enjoy life again, to be able to tithe to your church or give to charities and help others in need. Imagine a Christmas without money problems or going deeper into debt.

If you've tried some other methods such as credit counseling or debt consolidation loans and failed... so what. Let's do it right this time around and actually get you out of debt. Thousands of people have been through our program and I've seen stories from many who've wept tears of joy after eliminating all their debts and becoming debt free again.

The Testimonial Page is full of real life stories of people that had serious debt problems and had to make the same choice you are facing now. Many were worried about which direction to take or who they could trust. They were worried about their credit reports and if they could keep up the payments. Having taken action, their lives are now completely different to what they were just 3 short years ago.

Read some of these stories and see how their lives have changed and how being debt free makes them feel about their futures.

Throughout the program it was so wonderful to be able to talk to someone that you felt you would want to meet someday. Now that we are debt free it feels just great. Finding you was the good Lord helping me to choose the right one among the BIG list I had gotten off my computer. I truly thank you, Kathy and Forrest Young, Texas

Call for your free consultation Today at 800-404-8687 or CLICK HERE

Quick Facts You Need To Know

All the figures stated on this page are average settlements and time frames. Some creditors will settle lower and others higher and it is always a possibility that a creditor may not settle or work with us, but on average total debt is eliminated for around 55-60% including all payments and fees etc. We have years of experience working with creditors, collectors, etc. and getting excellent settlements for our clients.

Obviously, a client may encounter additional personal financial problems during the program, such as additional income loss etc., making their financial situation worse. If your situation does get worse while on the program, such as additional income loss or medical problems, the possibility of bankruptcy does exist.

Sounds Great - What Do I Do Now?

Pick up the phone and call for your free consultation. We are located in Glendale, California and available from 9 to 5:30 Pacific Standard Time, Monday through Friday at 800-404-8687. Normally, either Krista or Michelle will answer the phone. When they do, just say, "I was on the website and trying to get more information on how to get rid of my debts". They will get some basic information about your situation and then pass you over to one of our experienced debt consultants.

You will receive a completely private, non-pushy and of course free consultation from a seasoned and knowledgeable consultant. They will go over your resources for getting out of debt, normally do a free budget analysis and then go over each of your options. When finished, you will feel more confident about your future, your options and that you can once again be debt free.

If our debt settlement program is right for you, we'll explain the details of how the program works and answer any questions you may have. If our program is not right for you, we'll recommend one of the other options available and how it is going to effect you.

You have our guarantee that whether or not we feel debt settlement is not right for you we'll, guide you in the right direction. Our goal is to get people free of the debt trap - not sign people up who may not be suited to the program - no matter how much money might be involved. And yes, we honestly do feel PBS to be the most ethical and effective program around.

If giving us a call is not convenient right now or it is after hours, then fill out our quick and simple consultation form, CLICK HERE, and we will call you back with in 24 business hours. But please give us a good time to call back.

Alan and I are both so pleased that we chose your company to help us get through this awful time. We were drowning and saw no way out. This is no longer the case. We do see “a light at the end of the tunnel”, and this is thanks to you and everything you are doing. Gratefully, Jeannette and Alan Willard, West Point, CA

Dealing with professionals that care was truly enjoyable. It's hard to believe we're actually debt free again and can only think of one word... GREAT! Sincerely, Jim and June Peters, Sioux City, IA

Your services to us have been very much appreciated. We are extremely happy to actually be debt free and out from all the debt problems we were having. All our credit cards are paid off thanks to all of you… It’s a WONDERFUL feeling. Having been through the program and seeing that you fully delivered what was promised we would definitely recommend PBS. Thank you ever so much for all your help. Len & Suzanne Crawford, NY, NY

Words escape me for how I now feel – I have been in debt ever since college, over 15 years, and now no more credit cards or credit card bills, I love it! Having to close my business left me in debt up to my ears, I was totally stressed out and had no idea what to do. When I finally took action and called PBS I was amazed at how kind and understanding they were. My only regret is that I wished I had known about them earlier. As I worked through the program I found that soon the collection agency calls and creditor letters stopped and I was able to focus on my monthly savings plan. Now it is a short two years later and I am debt free, no longer having to fear what I will find in the mail or on my answering machine. Thank you PBS! Bill Endow, Simi Valley, CA

Three years ago I discovered that my husband had made some poor credit choices due to a job loss, medical expenses and a family illness, etc. A lawyer friend of my brothers recommended PBS to me after one of his clients had successfully completed the program and was very happy with the results. Having completed the program I have nothing but high praise for PBS, our negotiator and her professionalism, respectfulness, and politeness. Even one of my creditors expressed his appreciation for her help during a 3-way telephone conversation. Thanks to PBS, this summer I will be able to begin repairs on my home. I will also only be using cash to do this from now on. I am determined to remain debt-free as I move forward. Thank you for treating our family with respect and for understanding that even the best of people and families can experience unintended hardships. I am extremely grateful for the assistance offered through PBS. You have made a tremendous difference in our lives. I would highly recommend PBS and your services. Sincerely, Dorothy Lund, Kenmoore, WA

We are debt free again and it feels like someone has lifted a 200lb weight from our shoulders. Best of all we now have a bright financial future with endless possibilities. The professionalism you provided is second to none. Belinda and I would like to extend a much-appreciated thank you to all at PBS, and especially to our negotiating team. Your hard work has eliminated our overwhelming debt and given us a promising financial future. We could never thank you enough for all your work, Dominic T., Hayes, VA

If you asked me how it felt to be debt free again I would say three words - relief, empowerment and feeling responsible. My negotiator had a calm and reassuring approach to a very stressful situation. I truly enjoyed the fact that he never gave me a "salesman" type approach but was always more of an expert friend to me. Oh, believe it or not, the certificate you sent actually made me feel proud. Best to you all, Lee Poskanzer, San Francisco, CA

I signed up with PBS two years ago with credit card debts amounting to $98,000. The last one was settled last week. I saved 51% (and that is after paying PBS fees). I am now DEBT FREE! I found PBS on the Internet. After talking to a few other companies I knew that PBS was the best one for me. They and Donella walked me through the whole experience, from how to handle those horrible harassing phone calls to giving me tips on how to get through the gift giving holiday season and finally how to go about handling debt forgiveness on my tax forms and clearing my credit history. Thank you PBS and Donella, Elizabeth N, Montrose, CA For More Real Life Success stories Click Here

Call for your free consultation Today at 800-404-8687 or CLICK HERE

It Can And Will Happen If You Let It.

It's amazing how easy it is to get trapped in debt and how life-draining the experience can be. But when it comes to the point of taking action, the thought of making one more mistake can sometimes stop things dead in their tracks. The biggest mistake most people can make is staying trapped in debt, and living a miserable and stressed life. The many success stories from our debt free clients tell how grateful they are that they took action and picked up the phone. You will find us friendly, reassuring and helpful regardless of which way you decide to go.

Our goal is to get you out of debt fast so you can forget about the past and get on with your life. Together we can do it.  I know we can because we've done it for a lot of other folks in the same situation as you. 

We have dedicated years to helping those who are willing to replace the excuses with action. Waiting for things to change or improve and just continuing along the same course without taking some type of action will only lead to the same results - debt and stress.

What would you do if you knew that you could get out of this trap and start anew? If you could be debt free again and never have to worry about whether or not you can make your payments, what would this really be worth to you? Is it worth at least picking up the phone and making a call for a free consultation?

Give us a chance to show you how quickly you can join our debt free club.  LETS DO IT!

Take Your First Step To Becoming Debt Free
Call for your free phone consultation today!
(800)404-8687 or (818)630-5080

P.S. Need more information? Our site is full of vital information and many pages you should view and read, including Frequent Questions. These pages can help you better understand your options and how you really can become debt free. BUT, to get the best information for your situation call for a free consultation.