credit card debt
Christian Credit Counselors

Christian Credit Counseling: Does Christ Care About Debt?

In the financial world today, there are many options for consumers to consider when they are drowning in debt.  From counseling to consolidation to outright bankruptcy, the possibilities can be confusing and it is easy to become overwhelmed.  So why should anyone choose Christian Credit Counseling instead of a secular service?

The issue of debt is addressed numerous times in the scriptures, often referring to the debt of sin, but sometimes referring to debt in its most common, modern-day sense.  Consider the words of the apostle Luke, and how his words might apply to neglecting your worldly debts:

He that is faithful in that which is least is faithful also in much: and he that is unjust in the least is unjust also in much.  If therefore ye have not been faithful in the unrighteous mammon, who will commit to your trust the true riches?

Luke 16:10-11

So it makes sense that the Lord expects us to be honest in our financial dealings, and to do our best to be faithful to the commitments we have made.  The Lord also counsels us to be financially responsible during our time on earth, as illustrated in the book of Matthew:

Lay not up for yourselves treasures upon earth, where moth and rust doth corrupt, and where thieves break through and steal:  But lay up for yourselves treasures in heaven, where neither moth nor rust doth corrupt, and where thieves do not break through nor steal:  For where your treasure is, there will your heart be also.

Matthew 6:19-21

In this example, our priorities are brought into focus.  Collecting things or improving our worldly standing is not where our hearts should be.  Living within our means, so that we can focus our worldly efforts on advancing the kingdom of God should be our goal.  In Malachi, we are promised great blessings if we are financially responsible and focused on God’s will:

Bring ye all the tithes into the storehouse, that there may be meat in mine house, and prove me now herewith, saith the Lord of hosts, if I will not open you the windows of heaven, and pour you out a blessing, that there shall not be room enough to receive it.

Malachi 3:10

Remember that when He was in the garden of Gethsemane, Jesus suffered for all of the trials and pain that we would someday face on this earth, that He might overcome our sin.  He knows how hard it can be to resist debt, and to overcome it when it has taken control, and He wants you to be free from this pain.  Christian Credit Counseling understands too.  We can help you look at your debt from a Christian perspective, and help you overcome it in a Christ-like way.

Do you want to know more about debt and how you can make smart financial decisions now that will help you secure a more prosperous financial future? Sign up for our newsletter for monthly money tips.

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    Debt Consolidation

    Debt Consolidation – Three Signs you Need it

    Overcoming Financial Shame

    “Let no debt remain outstanding, except the continuing debt to love one another, for he who loves his fellowman has fulfilled the law.” Romans 13:8

    Financial debt can be a source of shame and stress for a lot of people. One of the danger signs that your spending is out of control is when you are constantly moving balances from one card to another. Maybe you have felt the embarrassment of having a credit card declined and being unable to attend social functions because your cards are maxed out. When you reach a breaking point, you may decide to reach out for debt consolidation help. It’s a wise move for people in a variety of situations.

    You are paying only the minimum

    If you are paying high interest on your credit card balances but your income hasn’t gone up, you can benefit from debt consolidation. By consolidating your credit card debt into one lower interest loan, you’ll pay less in interest. You’ll see the light at the end of the tunnel sooner because you won’t just be paying the minimum on each card anymore.

    You’ve given up hope

    If you have given up hope that you will ever be out of debt, debt consolidation could be right for you. The Bible says to knock and the door will be opened. By seeking help from credit counselors, you may learn the reasons behind your current financial problems. Developing a budget and saving for the future can prevent future debt related to unexpected medical problems or car trouble.

    You are hiding the truth

    If you are hiding the truth about your spending habits and debt from loved ones, you should consider debt consolidation after communicating with a spouse and other family members. At Christian Credit Counseling, we aren’t psychotherapists who analyze the reason for a client’s overspending habits. But we can arm you with the right tools to get out of debt and teach you to build wealth according to Biblical principles.

    Do you want to know more about debt and how you can make smart financial decisions now that will help you secure a more prosperous financial future? Sign up for our newsletter for monthly money tips.

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      Christian Credit Counselors

      Credit Counseling – 5 Long-Term Benefits

      5 Long-Term Benefits of Credit Counseling

      In the short term, going in for Christian Credit Counseling is likely to make you feel more in control of your life.  You’ll feel less anxiety and enjoy a better standard of living.  However, the real benefits of debt consolidation and credit counseling will come in over the long run.

      When you take your finances into your own hands, your overall feelings of happiness, security and peace are likely to increase because your circumstances slowly get better.  Here are some of the ways in which debt consolidation and credit counseling can help you in the long run:

      Savings

      Once you have your finances under control, you can actually start putting money aside for the things that you want to do.  When your monthly payments are very high, you can’t afford to put aside money for savings.  But once you’ve brought your payments down, you’ll be able to start thinking about the things you actually want to do in your life.

      Investments

      Once you have a sufficient amount put by, you can start making sensible investments such as buying property.  If you don’t already own your home, you can start making plans to buy one.  If you already own a home, you can plan to buy property and rent it out.  There are also a number of alternative investments that will help you multiply your money slowly and steadily in the long run.

      Vacations

      It’s all well and good to have savings and make sensible investments but people also need to take some time off and travel in order to increase their overall enjoyment in life.  With the money that you’re now able to put away, you’ll be able to go to different places, expand your mind and take regular breaks from the everyday grind.

      School

      Another way in which you can spend your savings is by going back to school or sending your children to college.  Education is always a sound investment which yields returns in the long run.  Have you always dreamt of doing an MBA?  Do your kids have long term plans which include college or graduate school?  When your finances are in control, you can start making plans for furthering your education or theirs.

      Entrepreneurship

      This is another possibility that can be realized once you pay off your debts.  You can’t leave the security of your job to start your own business if you’re in debt.  This would be a huge risk which could result in actually increasing your debt.  However, once your debts are paid off, you’ll be in a position to take more risks.  As long as your business idea is a sound one, you might even be able to become an entrepreneur.

      Do you want to know more about debt and how you can make smart financial decisions now that will help you secure a more prosperous financial future? Sign up for our newsletter for monthly money tips.

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        Debt Consolidation

        A Debt Free Lifestyle – From Debt Consolidation to Support Groups

        Living Debt Free

        Many people feel like their financial lives are completely disorganized.  At times, they don’t feel like taking the steps necessary to get out of debt because they don’t think that they can maintain a debt-free lifestyle.  However, staying out of debt doesn’t have to be that difficult.  If you follow a few simple steps, you can live your life comfortably and be financially stable.

        Debt Consolidation

        The first step to living a debt-free lifestyle should be debt consolidation.  By working with our debt counselors, you’ll be able to come up with a payment plan that you can afford.  Not only will this help you to get out of debt in a decent amount of time, it will also give you a feeling of control over your finances.  You won’t feel like you’re drowning anymore and can begin your life anew.

        Writing Down Your Expenses

        Once you’ve come up with a plan to get out of debt, your next step should be staying out of debt.  Often, people don’t realize exactly what they spend their money on.  So they can’t tell when they’re overspending and when they’re underspending.  Carry a diary with you in which you note down all your expenses.  Look them over at the end of the day.  By doing this for a few weeks, you’ll get a good idea of where you need to cut down.  But it’s a good idea to keep doing this throughout your life so that you are always keeping track.

        Talking It Out

        There are many ways in which you can get support for your financial dilemmas.  You can always talk to family and friends.  When you come in for an interview with Christian Credit Counseling, our counselors will be happy to hear you out and give you some sound financial advice.  There are also support groups for debtors which you can attend.  This will help you to realize that there are others out there like yourself and they’re also willing to lend you a sympathetic ear and share their own stories.

        Do you want to know more about debt and how you can make smart financial decisions now that will help you secure a more prosperous financial future? Sign up for our newsletter for monthly money tips.

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          So take the first step towards a debt-free lifestyle; contact us and get debt consolidation today.
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          Debt Consolidation

          Debt Consolidation – Five Immediate Benefits

          Five Benefits of Debt Consolidation

          Most people understand the idea that debt is bad for you.  They can see how debt consolidation will be beneficial in the long run.  After all, once you get out of debt, you’ll be able to have a better lifestyle.  However, debt consolidation isn’t something that will only help you after a period of several years; it will improve your life right away.  Here are a few benefits of debt consolidation that you will be able to sense immediately:

          Less Anxiety

          Once you’ve informed your credit counselor about all your debts and consolidated them into an affordable monthly  payment, you’ll feel like there’s a load off your mind.  You’ll be able to go about your everyday life more calmly.  You’ll also be able to concentrate on your work and be more productive.

          Better Personal Life

          You may not always notice it but when you’re in debt, your personal life suffers.  You’re always feeling so harried and anxious that you’re not always nice towards loved ones.  At best, you might be a little snappy.  At worst, you might blame them for everything that’s wrong with your life.  Once your debt problems have been taken care of, your anxiety naturally decreases and you’re likely to be nicer to loved ones who will most likely return the favor.

          Better Standard of Living

          Once you consolidate your debts into a low monthly payment, you’ll end up paying less every month than you would have otherwise.  As a result, you’re likely to be able to afford more of the things you want.  And since you’re less anxious, you’ll be able to make wiser purchases that are more likely to help you in the long run.

          Savings

          Once you set up a low monthly payment for your debts, you’ll also be able to start saving money for other things.  Earlier, that vacation to Hawaii might have been completely out of the question.  But now, you’ll be able to start saving up for it.  If you want to buy a home, you can start saving for the down payment.  If you want to go back to school or send your kids to school, you’ll be able to start saving for that.

          Better Sleep

          One of the side effects of being happy is that you sleep well.  Once your debt problems have been taken care of, you’ll feel a lot less anxiety.  You’re not going to wake up in the middle of the night wondering what tomorrow may bring.  You may not start sleeping like a baby right away but, after some time, you may be surprised to find that you’ve started sleeping peacefully through the night.

          Do you want to know more about debt and how you can make smart financial decisions now that will help you secure a more prosperous financial future? Sign up for our newsletter for monthly money tips.

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            Credit Counseling

            Credit Counseling – Urgency for Retirees

            Don’t be the Average Baby Boomer

            Retirement is a blessing that gives hard-working seniors a break for their dedication to the 9-to-5 routine for so many decades. It’s troubling to think some baby boomers may never be able to retire because of runaway credit card debt and student loan obligations. Receiving credit counseling before retiring or even as part of a retirement-in-progress, can bring hope.

            According to one U.S.A. Today article that cited a TD Ameritrade survey,  the average baby boomer is a half a million dollars short on what they need for retirement. Experts say a growing number of older Americans are also declaring bankruptcy in retirement. For older folks who think they should just “live it up” because life is short, credit counseling is a must.

            Living longer than ever

            People are living longer than ever before. If you have financial problems when you enter retirement, you may be in danger of outliving your retirement funds. Most retirees want to be able to leave some inheritance for their children or grandchildren. Retirees can benefit from a counseling session aimed at understanding behaviors that lead to debt.

            Working out a plan

            An experienced credit counselor who has your best interest at heart can help you work out a debt repayment plan that works even on a fixed income. It’s a challenge to pay debts when you are living on Social Security, but it can be done.

            Some older folks don’t think they need help repairing their credit, especially if a perfect credit score won’t happen overnight. However, it’s  never too late to be an example to children and grandchildren who might also be struggling with finances. Also, every senior deserves to retire with dignity and no annoying bill collectors on the line.

            Do you want to know more about debt and how you can make smart financial decisions now that will help you secure a more prosperous financial future? Sign up for our newsletter for monthly money tips.

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              Credit Counseling

              Credit Counseling – Signs Now is the Right Time

              Benefits of Credit Counseling

              For many people, the idea of undergoing credit counseling is a difficult one. It can be hard to admit you need help; however, anyone can find themselves having financial troubles. Perhaps you have wondered whether or not credit counseling could benefit you. If so, here are some signs you might be in need of it.

              You’re receiving calls from collections agencies

              If you’re receiving calls from a collections agency on a regular basis, this is a huge sign that something is amiss. Receiving calls from debt collectors can be stressful, and can also strain relationships with others in your household. Credit counseling can help you better manage these phone calls so you won’t have to worry about them as much.

              You regularly take out cash advances or payday loans

              Cash advances and payday loans tend to create a recurring cycle of debt that is extremely difficult to get out from under. It also indicates you are spending more than what your income can reasonably support, in which case credit counseling can help you create and stick with a budget that’s reasonable.

              You use a credit card to pay monthly expenses

              This is a also sign that your spending habits are out of control. Perhaps you have recently suffered a loss of income or became injured and were unable to work. Regardless of the situation, using a credit card to pay monthly expenses will only lead to more financial difficulties down the road as you deal with interest and over-the-limit fees.

              You have little or no savings

              If you don’t have any savings, this means you are ill prepared for any emergency that might strike. As a result, you could find yourself in dire straights if you are suddenly out of work or your home needs major repairs. This is especially true if you also find yourself living “paycheck to paycheck”, and have little or no money left over to put into a savings account.

              Finally, if debt is causing you to spend a great deal of time worrying, this is also a sign you have a problem. If this is the case, you’ve probably thought about getting help, but may have been afraid of being scolded or made to feel inadequate. Here at Christian Credit Counselors, our goal is to provide assistance to you without judging. Our methods are rooted in Biblical principles, and have been effective at helping thousands of others just like you.

              Do you want to know more about debt and how you can make smart financial decisions now that will help you secure a more prosperous financial future? Sign up for our newsletter for monthly money tips.

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                Debt Consolidation

                Debt Consolidation Options

                Debt Consolidation – What You need to Know

                You’ve heard about debt consolidation, and wonder if it can help you get control of your debt. If you owe several debts, the answer could be “yes,” but there are considerations. Here’s what you need to know.

                What: Debt consolidation is the process of replacing multiple debts with one loan or repayment program through a bankruptcy court or credit counseling service.

                Why: Debt consolidation can simplify your bill paying tasks and may also reduce the interest rates you’re paying on multiple accounts. This can help you pay off debt faster.

                How: A personal loan or debt consolidation loan through a financial institution may also be called a signature loan. If you have good credit, you may qualify to borrow enough to consolidate your bills at a lower interest rate, which means that your loan payment could be less than the total of your monthly payments to creditors.

                One drawback of a debt consolidation loan is that it helps you organize your debt, but it doesn’t eliminate your debt. If you don’t get help with budgeting, you risk falling into more debt if you continue to use credit cards or consumer loans.

                Home Equity Loan

                Homeowners may qualify for home equity loans or lines of credit that can be used to consolidate debt. This is risky as it reduces your home equity and if you fail to repay a home equity loan, the lender can foreclose and take title to your house.

                Chapter 13 bankruptcy

                This type of bankruptcy allows you to pay off a fraction of your eligible debts through a court-approved repayment plan. Filing bankruptcy costs plenty in legal fees and appears on your credit reports for seven to ten years.

                Another option is debt consolidation through a credit counseling service. Credit counselors help consumers pay off debt through repayment programs called debt management plans. Credit counseling services offer additional benefits including budget counseling and can usually arrange for creditors to reduce interest rates and waive some or all fees.

                Do you want to know more about debt and how you can make smart financial decisions now that will help you secure a more prosperous financial future? Sign up for our newsletter for monthly money tips.

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                  Credit Counseling

                  Credit Counseling – Adantages before Major Life Events

                  Preparing for Financial Success

                  At Christian Credit Counselors, we want people to be successful at every stage and age of their lives. When it comes to debt, it’s hard to move on when your debt is keeping you in the past. By receiving credit counseling from trained and empathetic Christian Credit Counselors, you can get a fresh start before embarking on new adventures.

                  Before getting married

                  Consolidating debt is a good move to make before committing to a marriage. Some experts are calling debt the “anti-dowry.” According to an article by The Forum out of Utah State University, money is a major contributing factor to divorce. Seventy-four percent of men and sixty-seven percent of women enter marriage with debt, which has negative affects on new marriages.

                  Before buying a home

                  Receiving credit counseling before a home purchase is also a wise move. Lenders require a certain debt-to-income ratio before they will approve a mortgage loan. At Christian Credit Counselors, we have the expertise to help you devise a debt management plan. We also provide housing counseling so you can realize your home ownership dream as quickly as possible. You will buy a home you can truly afford so you don’t risk losing a home to foreclosure.

                  Before returning to college

                  A lot of people are returning to college to learn a new skill or trade. You may be one of the many people who are still juggling old student loan debt and credit cards. Before taking out more college loans, let Christian Credit Counselors help you through student loan counseling.

                  Before retiring

                  Baby boomers are retiring early, but they also have more credit debt than previous generations. Before taking the leap to collect Social Security and lock in payments for life, consider credit counseling so you can truly enjoy God’s blessings in retirement.

                  Do you want to know more about debt and how you can make smart financial decisions now that will help you secure a more prosperous financial future? Sign up for our newsletter for monthly money tips.

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                    Christian Credit Counselors

                    Credit Counseling – Understand How to Build Wealth

                    Don’t be a Slave to Debt

                    You weren’t called to be a slave to debt. That’s not part of God’s plan for your life! God has called you to a higher calling. Many people assume that being in debt is an inevitable part of life, and without it they won’t be able to enjoy life or do things like buy a car or a house. That just isn’t true!

                    That may be the way of the world, but it isn’t the way of Our Lord. You can achieve all of the things you want without putting yourself and your family into a level of debt that won’t ever be paid off. It happens with hard work, determination, and help from our christian credit counseling services.

                    A Successful Budgeting System

                    We offer a class about how to create wealth for yourself through a successful budgeting system. Living on a budget doesn’t mean saying no to everything–it means saying yes to the right things.

                    Benefits of a Budget

                    We’ll start our class by showing you why you need a budget, and how a good budget can help you take charge of your finances. We’ll also work with you on the proper way to set up a budget no matter how big or small your current income might be.

                    In our class, you’ll get all of the forms and tools that you need to create a budget that you and your family can not only survive on, but thrive on. You’ll be amazing at how taking charge of your money and applying Godly principles to your finances will bless you.

                    Setting Financial Goals

                    The next step in our class will be setting financial goals. What is it that you and your family want to do? Is it buy a house, pay for college, or maybe bless a ministry that God has laid on your heart? No matter what your goals are, we’ll work with you to create a roadmap that gets you there. Step by step, our counselors will show you where you need to go and how to get there with your current budget. All of these things are within your reach, and we’re ready to show you how it can be done.

                    We love showing people the blessing of a debt-free life! Our non-profit organization is staffed by certified counselors who care about you, your faith, and your finances.

                    We help you take control of your finances and make them work for you, instead of being a slave to debt. Get started on building your personal wealth today!

                    Contact us today through our website or call us at 1.800.557.1985 ext 100 to register for the Creating Wealth class, or any of our other financial classes.

                    Do you want to know more about debt and how you can make smart financial decisions now that will help you secure a more prosperous financial future? Sign up for our newsletter for monthly money tips.

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