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.

Using one of numerous Christian debt relief programs, you are given a re-payment plan to help you pay off your debts at a pace you can manage. It typically takes a few years to be debt-free, but it depends on your financial situation including current debt amount and money available to pay down debt. In tailoring a program just for you, your debts will be simplified into one easy-to-remember monthly payment. Either you’ll get a consolidation loan at a lower interest rate than credit cards, use it to pay off all your credit cards and then make monthly payments toward that new loan. Or you’ll send monthly payments to the company you’re working with and they’ll send the agreed amounts to each creditor. Either way you will no longer have to remember several due dates and worry about late fees or penalties. The lower interest rates will save you money and sometimes the company can even settle your debt for less than the total amount due if the creditor is willing to do that.

As you make your monthly payments, you will also participate in credit counseling and financial education, teaching you what things to do to avoid excessive debt in the future. With Christian debt relief, you’ll not only pay off your debts but enjoy greater financial freedom in the future as well.