Posts Tagged ‘christian debt relief’

Christian Debt Management Companies that Work

Friday, January 22nd, 2010

If you have done any research into Christian debt management companies, you may have been disappointed to find that many are no different from secular debt management companies.  It is true that many companies just use the word Christian to play to your faith, and really do not employ any specific Christian principals.  However, Crown Financial Ministries and Family Life Resources are two companies that can be trusted to give you the best in Christian debt management services.

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.

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Christian Credit Debt Counseling, What is it and How it Works?

Wednesday, January 13th, 2010

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.

Also see christian consolidation counseling debt

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Find Financial Freedom With Christian Credit Card Debt Relief

Wednesday, January 13th, 2010

Christian credit card debt relief can teach you how to handle your finances and use of credit so that you can not only pay off your current debts but also not find yourself in the same situation in the future. Mounting debts and high interest rates on multiple cards can make you feel stressed and overwhelmed, affecting nearly every aspect of your life. Financial freedom lets you take back control of your money and your life.

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.

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