Christian Debt Counselors (888) 906-3328
200 W. Palmetto Park Road Suite 200 Boca Raton FL 33432
Christian Debt Counselors U.S. Chamber of Commerce Member 2017 Christian Debt Counselors eKomi Gold Seal Christian Debt Counselors  SSL Certificate Authority

Debt Consolidation


May offer some or all of these benefits:

  • End collection calls
  • Eliminate or reduce interest rates
  • Reduce monthly payment to one instead of multiple unsecured debt payments


This type of program is administered by a Christian Debt Management Service Provider who has over 30 years of experience in the Debt Management and Financial Literacy field.

Debt Consolidation

Christian Debt Consolidation

Debt Consolidation is a commonly used term to describe different debt repayment plans that will allow you to combine your monthly payments into one payment that is affordable for you. These are usually offered with lower interest rates, and reduced monthly fees to allow you to pay more on the principle each month rather then so much in interest and fees.

By utilizing a debt consolidation program, you will be paying your creditors an agreed upon, reduced monthly payment. This will satisfy the creditors, as well as reduce your monthly obligation.

Christian Debt Relief Programs Can Help

Christian Debt Counselors has been working with consumers to work toward a debt free life for many years. Our programs have helped thousands of people to regain financial freedom.

Christian Credit Counseling, Christian Debt Management Plan, and Christian Debt Consolidation are common names for this type of program. Many times these programs are offered through a Non-Profit Service Provider.

So Which Christian Debt Relief Program is the Best?

In order to figure out which plan is best you, it will really depend on your overall financial situation. Such as what kind of debt you have, how much debt you have, if you have a financial hardship and your ability to repay the debt you owe to the creditors.

When you contact us, our professional debt counselors will work with you to assess your personal situation. Then we will help explain all your options to you so you can make the most informed decision on how to get out of debt.

What Kind of Debt Qualifies for Christian Debt Relief Programs?

In the Christian Debt Consolidation Program we are able to help clients with Credit Card Debt, Personal Unsecured Loans, past due medical bills, and Collection accounts. In some cases even past due IRS Debt can be included. This program is basically for anything besides your house or car that is considered unsecured without a title or deed.

Originally, creditors developed Debt Consolidation programs to provide a way to help their customers work through difficult times repaying their debts. Otherwise consumers paying high interest on their own may be stuck paying for the next 30-40 years on credit cards without any help. In this program you will be making one monthly payment each month that is disbursed to your creditors on time in the amounts they’ve agreed to accept.

Will My FICO Credit Score Go Down if I Use Debt Consolidation?

The Christian debt relief programs provided by Christian Debt Counselors will not hurt your credit score rating. If your credit score rating is good, it will remain in good standing. If your credit score needs improvement, this program should help rebuild your credit, so you will no longer be considered a risk. There is no credit check done as this is not a loan.

All of your unsecured debt can be put into one monthly payment that will fit in to your budget, instead of multiple monthly debt payments. As long as we work within the creditors’ procedures and guidelines for people that are in need of counseling, you will be able to pay down your debt without negatively affecting your credit score.

Will My Creditor Charge Interest?

In the Christian Debt Consolidation program some creditors will eliminate interest charges and those that do not, usually will reduce your interest rate to as little as 6%-9% until the debt is paid off.

Who Qualifies for Debt Consolidation?

If you are struggling to afford your monthly payments, and have a desire to become Debt Free, then you qualify. The banks qualify for tax credits from the government when they cooperate through these programs. In return we are able to get drastic relief on your monthly payments, sometimes reduced up to 50%!

It doesn’t matter what your financial situation is, everyone can benefit from getting help on paying off these debts quicker. Avoid bankruptcy, stop harassing creditor calls, and get help from one of our trained Professional Christian Credit Counselors. Improve your credit score rating and get on track to become debt free! We will work with you to develop a realistic program that fits your budget and that will give you a light at the end of the tunnel!