Although Christian credit debt counseling provides the same basic benefits as secular debt counseling, there are several things that set it apart as specifically Christian in nature. Understanding those things will help you find an organization that truly shares your faith and has a commitment to helping you become financially sound.
As a 501(c)3 non-profit, a truly Christian organization will offer many of its services for free. At the very least, your consultation, and/or first counseling session will be free, and often times the organization will also offer unlimited free budget and credit coaching. When fees are involved, such as is the case with a debt management plan, the Christian organizations will almost always reduce or waive the fees if they are more than you can manage. Their goal is to help you become debt free – not to put you further into debt.
Prayer is another component that sets Christian organizations apart from the secular ones. Your credit counselor may begin a counseling session with a prayer and will often offer to include you in his or her prayers. The organization may even offer to list your prayer needs on the organizational website so that the entire community can pray for you.
The Bible is featured prominently in most counseling sessions. The credit counselors may provide Biblical references to money issues to give you a better context for your commitment. This is something that you will likely never see in a secular credit counseling company.
When you are in a difficult financial situation that tries your faith, it can be a great comfort to work with an organization that is knowledgeable not only in matters of finance, but also in matters of the spirit. A Christian credit debt counseling service is just that type of organization.
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