When you are struggling with debt, it can seem like an insurmountable problem. Collection calls are coming in all day and night, you are being harassed at work by calls demanding payment and your mailbox is full of letters warning you of court action or wage attachments if you don’t pay your bills. You may feel there is nowhere to turn. In fact, Christian debt counseling may be the answer to your debt problems.
What is Christian Debt Counseling?
Christian debt counseling is similar to other types of debt counseling where the main goal is to find a way to work with your creditors in order to pay off your debts. You will speak with a credit counselor who will review your income and expenses in order to develop a solution that is right for your circumstances. The counselor will create a budget and analysis of your debt to determine what plan will work best for you. The difference between Christian credit counseling and other debt counselors is that they off Debt Management with a Christian perspective. To empower you with different options to see what is best for you and your family. Their passion is to help you get out of debt and live a life of financial freedom. They may use debt consolidation, debt settlement, or a combination of methods. Using a Christian perspective, they are able to change your views about spending and not only help you eliminate debt, but build wealth for the future.
How Christian Debt Counseling Works
Once you meet with a credit counselor over the phone, they will determine a plan that works best for your circumstances. They then find a plan that works with you and with your creditors to try and find a better solution for you to get out of debt quicker. Some benefits of a Debt Management program may offer for your bills to be consolidated into one monthly payment in a Debt Management program. The program will disperse the payments to the creditors on your behalf. This may help with harassing phone calls or attempt to negotiate on your own. It is all done by the debt management service provider. Because interest rates are often reduced, you’ll save money in the long run and will be to able to pay your debts off in a shorter time than if you continued to pay the minimum payments each month.
The Christian Perspective on Debt
Although there are many options available for debt counseling, a Christian debt counselor understands your need to make ethical decisions. Some Christian debt counselors will even offer foundational Scriptures in order to help you change your views on debt in an effort to keep you from financial problems in the future. The main goal of Christian debt counseling is to teach you how to be a good steward of your money. Although debt isn’t necessarily considered a sin, many believe that the Scripture discourages significant debt. Although mortgages and vehicle loans are often necessary debts, other forms of debt can be avoided with careful spending habits, including unsecured loans and credit card debt.
If you are facing debt problems, are being harassed by collection calls or threatened with wage attachments or property liens, you owe it to yourself to talk to a Christian debt counselor who can review your financial situation and make recommendations on how you can become debt free. As a Christian debt counseling agency, we are able to provide you with advice so that you can become the good steward of the money that God has provided. Contact us today to learn how we can help you begin on the path to financial freedom.