I went to PCS because of the BBB reviews. They were one of the only ones I could find in the area…read morewith good standings on the BBB. Having debt is a scary thing and was constantly hanging over my head. Needless to say I have completed the program and am more than satisfied with the service they provided. They were very helpful with all my questions and concerns. Any time I emailed they always responded within good time. I would highly recommend PCS to any and all of my friends/family/clients. Being debt free is the best feeling I could have ever imagined!

Highly recommend PCS! Very easy to to work with. I used them in 2013-2014 to negotiate my credit…read morecard debt on around 7 accounts, that I was delinquent on after going through a divorce several years earlier. My scores were in the toilet, and I considered bankruptcy, but in the end I chose them because bankruptcy would have impacted my credit much more profoundly, and frankly didn't feel right about not paying my creditors. I felt comfortable using PCS because of their BBB rating, and felt their fees were reasonable, and were based on money saved, vs. total debt. It was an easy, structured way to become debt-free in less than one year, and my scores went up each time an account was settled. Two years later, I have 6 open lines of credit (that I pay in full each month), and have good-very good credit scores.

I highly recommend contacting RCRS Advisors. I was embarrassed about how I let my credit scores…read moreget so bad. They didn't judge me and put together a plan to improve it. I wasn't sure if it would work but it's amazing how quickly and efficiently everything works with them. Their knowledge of what to do and what not do to is impressive but their customer service and how they go about implementing the personalized plan they created for me is even more impressive!!! RCRS has even educated me along the way and I feel confident moving forward to keep my scores growing. They've done more for me in a few months then I could have ever wished for. Using RCSS Advisors is one of the best investments I ever made.

From the owner: Credit Counselingread more

John helped me so much! He really took the time to explain everything to me - He is very…read moreknowledgeable and helped us to move forward with a plan of action. I would recommend him to anyone that is looking for answers on how to get your finances back on track.

The credit care company led by John Boll are the absolute best in the business. They help people…read moreachieve major life milestones. A poor credit score can deny you the kind of job you want, the place you live, buying a new car with a good rate, buying a home, starting a business. So when I say John helps people achieve major life milestones its no joke. A lot of people claim to know how to repair your life and then take your money and leave you with nothing. Not John, John will you give you an action plan and be honest about whether or not you should pay for his time. Even if he can't help you it doesn't stop him from sharing strategic and valuable information and refer you to someone he trusts that can help. John will help you as an individual and as a business owner. His expertise includes business credit repair, funding, and other financial services for businesses. I'll say it again, John Boll and The Credit Care Company are the best in the business!

This is the most UNPROFESSIONAL law office I've ever dealt with. First off, the secretary is…read moreEXTREMLY rude and confrontational if you have an issue. Ms. Brown herself is never available. They charge more than five times what a single attorney would. Then continuously ask for MORE money during the years on bankruptcy. It is near the end of my brothers bankruptcy, and she has NO answers for him. She doesn't know when his last payment is ( even though she previously told him it was May 25) . She is the only one who can stop the garnishments, yet doesn't have this information !?? I could go on... I would not recommend this office if you are assigned Brown. This entire experience has been a nightmare for my brother.

The services I (and a family member) received from this agency was excellent. I initially…read morerecommended a family member go to The Law Offices of Tracy Brown to seek advice about a personal matter after the family member had researched and met with other attorneys and was not satisfied. While I did not know Attorney Brown personally, I was familiar with her through my former place of employment and she was very well liked by students, as evidenced by the end of their semester evaluations. The family member took my advice and went to her office, talked to one of her attorneys on staff and immediately hired them. The family member told me that they were VERY pleased with the service, and efficiency of the entire client/attorney encounter and process. As for me, a year later I found that I too would need legal assistance, and I went directly to the Law Offices of Tracy A. Brown without hesitation. I was fortunate to have Attorney Brown personally handle my case, which I did not expect. I went into her office a nervous wreck and left feeling like a weight was lifted and that I knew I had made the RIGHT choice. I am here to tell you, she stayed on my case from day one (1), kept me abreast of everything she was doing; i.e, researching, receiving, calls,and was prompt on my paperwork and followups. Whenever I was in a panic mode upon receiving disturbing news, I would contact her and she would quickly quell my fears and once told me "not to worry, that this is what she is here for, and I could ALWAYS call her, email her or stop by and that I was free to contact her anytime I needed to"....now that is what I am talking about a great attorney! She NEVER made be feel like I was bothering her. If I emailed her or dropped something off, I would have a response back immediately the next day. In my interactions with Attorney Brown, I found her to be very calming, pleasant, patient, understanding and showed genuine concern and compassion for me -- she NEVER treated me as a $$$ or a burden, and she listened to me and gave me good advice on how to handle situations during that time and in the future. I wish to thank her for all that she has done to bring me to a point where I can live my life without a burden that weighed heavy on me for a very long time. Thank you Attorney Brown, in my opinion, you are the BEST!!!!. Also, I was always treated well by the staff whenever I came in contact with them. I "HIGHLY" RECOMMEND HER FIRM if you are looking for great service, support and knowledgeable attorneys.

BEWARE - DO NOT DO BUSINESS WITH THIS COMPANY…read more This was supposed to be a simple 45-day cash out refinance. It turned into a 106-day nightmare filled with constant errors, missed deadlines, and almost no communication. We only stayed in the deal because our loan officer, Jon, was helpful but the rest of the company was completely disorganized. The loan processor Nick repeatedly made mistakes, and we were given closing dates over and over that never happened. At closing, several debt payoff checks issued by Haven Home Equity were incorrect and did not align with the official payoff statements we had already provided. We informed our loan officer that some of the accounts were already closed and that we intended to negotiate those balances ourselves. He advised us to handle the negotiations directly, pay the accounts ourselves, and then submit updated payoff statements along with the unused checks. We were told that once the accounts were verified as paid, corrected checks would be reissued to us immediately. We did exactly what we were told. Haven Home Equity now owes us approximately $29,000--money that is in our mortgage and accruing interest over 30 years that we never received. This has delayed our full home renovation and forced us to hire an attorney. The only response we've gotten is from our loan officer saying "he hasn't heard back from anyone." This level of incompetence and lack of accountability is unacceptable. We started this in November and it is end of April and we are still dealing with this. There are MANY companies out there who provide quality service . Do yourself a favor and find another company to do business with. Proceed with extreme caution. If you have questions leave me a comment and we can connect.

I ended up finishing with them because I ran out time to find someone else. But they are absolutely…read morecrap about timeframes and doing anything efficiently.

I had Several life's events that turned my World Up-side down for about three years faced…read morechallenges that just kicked me when I was Already down, Jody at MCA, was a Tru Humanitarian, her patience, Kindness, Understanding, and assistance in helping me with my debt, all I can say SHE has Earned her Angel's Wings Her Understanding and Support gave me Faith in Humanity I Hope Kindness Like Hers becomes as Contagious as Covid this World Will Be A Better Place!

Medical Commercial Audit is one of their many names, most of them expired fictitious names. Zero…read morelack of empathy, quick to file on credit reports for tiny amounts, even on a clerical error. As a business owner as well, I can't imagine doing business with a company who claims to follow all laws but operates under 4+ names, most expired. Julie A Repa is the owner and Renee Thompson is the representative I've dealt with.

Thank you so much Phoenix. You did everything you said you would do. I needed a few things…read morecorrected so that i could move to another level. Ted has been awesome and is very knowledgeable about business. I'm now in a new home and a new car with low interest rates. Thanks so much for everything, I have a new lease on life.

Thank you so much, Phoenix! I needed a few minor things cleaned up and they helped immediately. The…read morestaff was friendly and attentive. They made me feel comfortable throughout the process. Highly recommended!

If not for St. Louis Home Retention, we would have lost our home to foreclosure. We are…read moreself-employed, business had gotten very slow and we were behind in our payments. We had tried to work with the lender and complete the loan modification forms ourselves but to no avail. I had heard the St Louis Home Retention ad numerous times on the radio and finally wrote the info down and contacted them. I told Steve everything, and it was bad, and right away he said they could help. We met with Steve back in October and he told us exactly how the process works, how long it would take, (it is not a quick process thanks to the lenders) and how much it would cost. We signed on, and then Doug and I spent quality times together with emails, phone calls and paperwork till March, when Doug called me and said not only were we approved for the loan modification but our interest rate was 2% and our payment was over $700 less. Twice the lender set the sale date for the foreclosure sale and all along Doug kept telling me, don't give up. Kathi stayed on the lender everyday to make sure they postponed the sale, while the lender kept requesting more paperwork. Every time the lender asked for more paperwork, Doug would send it to them before the due date, I think he wore the lender down! There is no way we ever could have filled out all the paperwork per the lender's guidelines. Finally, the lender approved us, St Louis Home Retention got the deal done! It was an emotional roller coaster and when Doug called with the fantastic news I cried, I was so overwhelmed with emotions. We will be forever grateful to Steve, Doug and Kathi.

This business is the very best. They are unlike the predators out there that are only trying to…read morerip you off. Steve and Doug have been throughout bankruptcy themselves and do everything within their power to stop foreclosures and help their clients escape the chaos associated with growing debts. I could go on and on...The bottom line is that you need to call them if you run into problems. You'll be amazed at what they can do for you.