Christian Debt Counseling

Do you have debts?

Are you a Christian?

If your answer is yes, you must immediately try to get rid of them. The Bible states that “one man cannot serve two masters”. But when you are in debt, you will have to serve your creditors apart from God. In order to fulfill your responsibility towards Christ, you must become debt free. For this, you can seek help from a Christian debt relief company. When you seek help from a relief company, a certified counselor will offer you free Christian debt counseling. Some of the ways a counselor will help you are:
Assist you in preparing a budget: A counselor of the debt relief company will analyze your financial situation. Keeping your income, expenditures and credit needs in mind, a representative of the counseling agency will prepare a budget for you so that you can maintain a good standard of living without obtaining a loan. They will also suggest ways by which you can save money to repay debts.
Suggest you a debt relief program: The counselor of the debt relief company will get hold of your credit report and scrutinize your debt accounts. Based on the types of debts you have, your outstanding dues, the rate of interest on each of your bills and your income, he will suggest you to opt for a particular debt relief program. For instance, if you have multiple debts, you will be advised to enroll in a debt consolidation program. If you are not in a position to repay your debts even at a lower rate of interest, the counselor will suggest you to go for settlement.
Advise to not obtain new loans: When you enroll in a debt relief program, the counselor will advise you to not apply for a new loan. If you obtain a new loan, you will have to pay towards it and you may not be able to make the payments required for successful completion of the program you have enrolled in.

If you find it difficult to make timely payments to the debt relief company for repaying your creditors, the counselor will also help you find ways by which you can trim your expenses and use the saved money to pay off debt. In this way, Christian debt counseling will help you become debt free and dedicate most of your time to serve the almighty.