About PFS Advantage

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At PFS Advantage, we’ve been helping individuals and small businesses resolve charged-off and payday loan debt since 2016. We pride ourselves on providing personalized, ethical, and effective debt relief—not cookie-cutter solutions.

Our team brings decades of combined experience in finance, legal operations, and creditor negotiations, giving our clients an edge when it matters most.

• Founded in 2016, focused exclusively on charged-off and payday loan debt
   
• Backed by years of insider knowledge from working with major law firms
   
• Transparent, no-pressure process—you only pay when we reach a settlement
   
• Trusted by clients across the country who value privacy, respect, and results
   

We believe debt relief should be handled with compassion, strategy, and integrity—and that’s exactly what we deliver every day.

 If you're overwhelmed by credit card bills, payday loans, or other high-interest debts—and barely keeping up with minimum payments—PFS Advantage can help you take back control.

Our debt relief program is designed for people facing serious financial hardship, whether due to job loss, medical expenses, divorce, or simply rising costs. When interest keeps piling up and your balances never seem to shrink, it’s time to explore a smarter solution.

We negotiate directly with your creditors to lower what you owe and help you become debt-free faster—often in just 24 to 48 months.

Why keep spinning your wheels when there’s a clear path forward?

At PFS Advantage, we negotiate directly with your creditors to reduce the total balance you owe on charged-off and payday loan debts. This process is called debt settlement—and it can help you resolve your debts for less than the original amount.

Here’s how it works:

• Once you hire us, we get to work contacting your creditors to negotiate a reduced payoff amount—often significantly less than what’s owed.
   
• You won’t make monthly payments to us. Instead, we’ll reach out to you once a settlement is approved and ready to be paid.
   
• At that time, you’ll review the terms, approve the agreement, and submit payment directly to fund the settlement.
   
• We do not charge fees on settlements until your creditor has accepted the offer and payment has been made.
   

Because these accounts are already charged off or past due, creditors are often willing to settle for less in order to recover a portion of the balance. Our role is to ensure that settlement is fair, documented, and manageable for you.

With PFS Advantage, you stay in control while we do the heavy lifting.