You wake up in the middle of the night, wondering how you’re going to pay your rent, your electric bill and all the other obligations you have because it seems your pay doesn’t cover the debt you’ve somehow managed to rack up. You know there has to be a way to break the chains that your overwhelming debt has you in, and you know it’s the time to seek professional guidance with a God-focus for finances. But how do you find the best Christian debt consolidation company? What do you look for, and how do you get started?
What Is A Christian Debt Consolidation Company and Why Do You Need One?
Nearly 190 million Americans have credit cards and the average credit card debt per household is $8,284. The average American credit user has at least three credit cards, and credit-card loans reached an astronomical $870 billion in 2018. It’s sobering news; America is facing a consumer debt crisis and more and more of us are finding ourselves bound to pieces of plastic that rule our lives.
And when plastic rules our lives, we can’t live the abundant and full lives we were created to live. More, we can’t live and give generously like we want because we’re bound to gripping debt and interest rates and that’s not God’s best for us. When we come to the realization we need to make a change, we seek out people to help, particularly those with a Christian Debt Consolidation Company. This approach helps keep the focus on using our resources as God would have us to and break the bonds of financial obligation.
Christian debt consolidation companies are varied though, and not all are created equally. They offer services like debt counseling, debt repayment plans, debt consolidation options, and debt settling arrangements. They don’t all have licensed staff with years of experience in working with creditors to settle debts and help rebuild financial freedom. It’s important when you’re looking for a Christian debt consolidation company, you make sure they have a Christian-oriented approach to not just debt management but good stewardship so you can reclaim the life you were created to live.
What to Look For In a Christian Debt Consolidation Company?
The most important thing to look for is a focus on resolving debt and spending money the way God would have us do. The Bible is clear about not wanting debt to remain outstanding, except the debt to love one another (Romans 13:8). And it’s also clear about being a generous giver. In Matthew, we are told to give to those who ask and don’t turn away those who want to borrow from us. (Matthew 5:42)
But overwhelming debt that leaves us crippled with fear about how to pay is not what God wants for us, and this prevents us from living the lives He created us to live. That’s why you want to make sure the Christian debt consolidation company you choose is one that truly has a heart for using resources as God would have. When looking, ask what the stewardship philosophy of the company is to find out if it’s true to God’s Word.
Almost as important when looking for a Christian debt consolidation company is making sure the counselors are licensed and experienced. Find out if their staff is affiliated and accredited by organizations like IAPDA (International Association of Professional Debt Arbitrators) and the National Association of Certified Credit Counselors. Doing so will ensure you have education, wisdom, and experience guiding you on your path to financial freedom. That experience and certification will make a big difference to your creditors’ desirability to work with you as well. You want the staff of the consolidation company you choose to be knowledgeable and trustworthy, so being sure your company has good Google ratings and a good score with the Better Business Bureau will give you peace of mind when breaking those painful chains of debt.
Take The First Step To Your Lifelong Financial Freedom
If you are tired of tossing and turning all night, wondering how to get above water with your debt, or find yourself drifting off through the day wishing the creditors would just leave you alone, you know it’s time to call someone to help. The licensed, accredited and professional staff of Christian Debt Counselors is ready to help work with you to create an individual plan for debt consolidation or debt settlement. You can choose to have them help you arrange a payment plan with creditors that gives you some margin when it comes time to pay bills, or you can choose to have them work with you to settle the debt. This is an alternative to bankruptcy and can give you your financial freedom back.
Christian Debt Counselors have the experience and compassion to know that each debt situation is different, and they will work with you to find the right program for you. More, they’ll do so with a faith-based focus that allows you to live the life God wanted you to live and use the resources He gave you as He wants you to.
You’re one call away from taking the weight off your chest and your wallet and working toward honoring God with your money. Call Christian Debt Counselors now and let them help you live financially independent and debt-free again.