text:  all right when i started my business i lived off my credit cards and even had a car repoed yeah we've all been there getting deeper in debt every day with these interest rates just totally out of control well there's a light at the end of the tunnel i sat down with the chief operations officer of pds debt now they have personalized options for anyone struggling with credit cards personal loans collections or medical bills so if you're making payments every month on your debt and the balances are not just going down