Both organizations are 501(c)-3 non-profits and both have mission statements and visions that are centered on the Bible and the Christian Faith.  Crown Financial Ministries focuses more on education, and most of their services are free.  In fact, although they are based in Georgia, they try to operate locally through churches and local field offices located around the United States and the world.  Their volunteers train local church staff members to administer their programs, which include youth and adult finance-based Bible study groups, money management seminars, individual budget coaching and video series.  For those looking for immediate resources, their website has a whole host of tools, including article, Bible search tools, money management assessments, and career and personality assessments.

Family Life Resources employs certified credit counselors and has several debt relief programs that help clients get out of debt.  They offer credit report reviews and credit audits to help clients find mistakes on their report or repair poor credit.  They also offer a Debt Freedom Program functions like a debt management program.  Their website is extremely informative and contains detailed information on each of the programs they offer, a welcome change from companies that expect you to sign up before you know what you are getting into.  Although they will offer help and guidance to people from all over the country, many of their programs are only available to Florida residents.

If you are looking for truly Christian-based Christian debt management companies, then turn to Crown Financial Ministries and Family Life Resources.

There are many debt relief firms with numerous different services and programs. However, some of them are not interested in helping you get out of debt in the way that works best for you. Avoid companies that pay their employees commissions or bonuses to push you into certain programs even if they are not a good choice for you.

Do not consider any firm that has a lot of unresolved complaints or a record of poor customer service. Chances are you will experience the same problems if you work with them that others have complained of. There are also scams out there. Be wary of outrageous promises that are hard to believe. They may just be saying anything to get your money and then will not deliver on those promises. You can check online rating websites and with the Better Business Bureau for complaints and reviews. Ideally, try to get personal referrals – that’s the best way to choose a reputable company with a history of good customer service.

After you’ve settled on a few companies you think you would like to work with, call them and see if they have the programs and services you are interested in. It is a good sign if they are interested in learning more about the details of your situation and offer options to for a plan tailored to your needs. You will be better off with an individualized approach than a one-size-fits-all plan.