Debt Counseling
Credit Counseling

Three Money Musts After Debt Counseling

After consolidating your debt, you will find you have extra money in your pocket at the end of the month. Instead of spending the money, there are some wise and prudent things you can do with excess funds. Maybe “wise” and “prudent” aren’t the most exciting ideas related to money, but the good news is that people who are responsible with their money end up having more that they can spend. Sometimes it’s difficult to admit that you can use debt counseling. Having debt isn’t a statement about your character, but it is a sign you need more reliable and honest personal finance tips and educational tools. By talking to the credit counselors at Christian Credit Counselors you can get started in the right direction. According to an article by Huffington Post, 22 percent of people surveyed by Wells Fargo said they would rather die than retire poor. Saving for retirement should be a high priority after receiving debt counseling to deal with overwhelming credit card debt or other unsecure debt.

Opening Multiple Retirement Accounts

Some people think they only need one retirement account, but in actuality there are benefits to having different kinds of retirement savings vehicles. The Roth IRA can provide you with tax-free money when you retire even though you don’t lower your taxable income now. Also, you can access any contributions you make. On the other hand, putting money into a 401(k) can lower your taxable income so you could get a better tax refund. If your company offers to match your 401(k) contributions, you definitely want to take advantage of the gift.

Taking advantage of the tax savers credit

If you have a low to moderate income, you could be eligible to receive a tax credit for contributions you made to any retirement account. The saver’s credit gives you back 10, 25 or 50 percent of what you contributed up to $2,000, depending on your income. According to an IRS article, eligible works can put money into an IRA account until April 15 for the prior year. With a 401(k), you have to get all your contributions in by the end of the year. The IRS site outlines who is eligible and any income requirements.

Saving up for unexpected expenses

When you talk to a trained credit counselor about your debt, you will most likely decide to enroll in a Debt Management Program. Once you learn what your monthly debt repayment will be, you can better budget for your usual expenses. If you can “pretend” that saving in an emergency fund is a bill, you are more likely to succeed. Another tip is to make the savings automatic by having money automatically deducted from your paycheck and put into a special savings account for emergencies.

After getting the debt counseling they need, many people turn their lives around. Instead of spending their time worrying about juggling different credit card bills, they look forward to juggling investment and retirement accounts.

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

    Debt Consolidation Instead of Tapping Emergency Funds

    Avoiding a Financial Crisis

    When you have an emergency fund, it’s there to cover you when you have a financial crisis. Your 401(k) and IRA savings can help you prevent a retirement crisis. Still, a lot of people tap their only savings to pay down credit card debt. A better solution is to seek credit counseling so you can come up with a sound budget and plan to attack debt without destroying your only emergency reserves.

    Through debt consolidation, you can actually achieve your goal of becoming completely debt free. Trained and experienced credit counselors such as those with Christian Credit Counselors specialize in credit card debt. A Debt Management Program gets you started on the right path so you don’t need to deplete our savings. According to an article by Money, you can use several smart strategies so you don’t feel like the one in eight people who say they feel like they will always be in debt.

    Knowing Your Financial Standing

    Your financial plan for getting out of debt starts with a custom debt analysis provided by Christian Credit Counselors. According to Money, you should tally up all your debt and know where you stand. Certified credit counselors help you lower your average interest rate owed on credit card debt, lower the number of years it takes to pay it off as well as deliver a lower monthly payment by negotiating with your creditors.

    Following the 10 by 10 strategy

    Money recommends people try a 10 by 10 rule which involves reducing 10 different expenses by 10 percent. For example, you could call your cable company and lower your bill by 10 percent by eliminating premium channels. You could use coupons to cut your grocery bill by 10 percent. Other ideas include finding ways to save on car insurance, reducing your utility bills, eating out a little less frequently and car pooling or driving less often.

    Using cash instead of credit

    As you enjoy the benefits of debt consolidation, you will likely put your credit cards aside. Take the opportunity to get more in touch with your spending habits by using cash only. Experts say people tend to spend less money when working with cash because using plastic credit cards feels too much like play money.

    With the help of Christian Credit Counselors, you don’t have to call your credit card companies to negotiate a lower interest rate or deal with annoying bill collectors. Your only job is to follow your new Debt Management Plan. Part of your budget should include beefing up your emergency fund and saving what you can for retirement. By the time you are out of credit card debt, you could have a fully funded emergency fund. Most experts recommend people strive for 6 to 9 months of living expenses in a rainy-day account such as a savings or money market.

    At Christian Credit Counselors, our team helps clients with debt consolidation, budgeting and education. We can help you with unsecured loans, medical and credit card debt.

    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

      Credit Counseling – Choosing it over Bankruptcy

      Avoiding Bankruptcy in Retirement

      Bankruptcy lawyers sometimes present bankruptcy as the only way out of a debt problem. In nearly every situation, it’s better to receive credit counseling before even considering damaging your credit score and endangering your lifestyle with bankruptcy.

      According to an article by U.S. News & World Report, a growing number of senior citizens opt for bankruptcy in retirement. In fact, the number of people age 65 or older who filed for bankruptcy tripled between 1991 and 2007 or from about 2 percent up to 7 percent.

      Of course, younger people also have challenges with credit card debt. By meeting with a trained credit counselor through Christian Credit Counselors, you can receive a free debt analysis. You will be under no obligation, but can learn about possible solutions. Before you decide, it’s important to know some of the negative outcomes associated with bankruptcy, especially in certain circumstances.

      When you need a new job

      It’s never a good idea to declare either Chapter 7 or Chapter 13 bankruptcy when you are about to go job hunting. Many employers run a credit check on their employees to see if they are financially responsible. If you plan to work in the banking industry, it’s especially important to have a good credit score.

      When you face repossession

      If you choose Chapter 7 bankruptcy, your are subject to liens against your home and other belongings, depending on where you live. A bankruptcy trustee will sell your non-exempt assets to pay off your debt. While laws protect money you have in personal IRA, 401(k) and other retirement accounts, any inherited retirement accounts are not protected in bankruptcy. If a lender wants to repossess a vehicle, it’s usually better to work out a way to budget for the payments instead of letting it go in a bankruptcy.

      When you want to buy a home or rent

      If you plan to move, you don’t want to have a bankruptcy on your records. Most property manager conduct a credit check. In many cases, a rental application will ask if you have declared bankruptcy. As for buying a home, bankruptcy usually prevents a prospective buyer from receiving a mortgage loan approval.

      Fortunately, you can receive credit counseling instead of going through bankruptcy. Bankruptcy isn’t a cure-all as many debts can’t even be eliminated such as child support, student loans and money owed to the IRS. With credit counseling, you learn how to budget all your obligations. After receiving a budget and debt analysis, you can get started on a Debt Management Plan.

      At Christian Credit Counselors, our team lowers your interest rates and consolidates you debt into one easy to manage payment.

      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 Counseling and Your Money Mistakes

        Bad Money Habits

        If you have trouble sticking to your financial goals such as getting out of debt, consider debt counseling. A certified and trained credit counselor isn’t there to judge or criticize, but to educate you about money moves you can make to improve your lifestyle. From debt consolidation to budgeting, the actions you take immediately improve your financial situation.

        According to an article by The Washington Post, there are several money mistakes making you poor. The good news is you can turn your financial situation around by getting completely out of debt with a Debt Management Plan. A study by the Federal Reserve Bank of St. Louis cited by the Post found that people who are debt free have more wealth.

        Other contentious habits associated with wealthy people included paying bills on time and living below your means. Debt counseling with a reputable company such as Christian Credit Counselors can help you get on the path to wealth.

        Saving part of what you make

        Some people spend whatever they have in their checkbook. If you tend to spend what you make, consider setting up automatic deductions from your paycheck or your checking account to move money into savings or retirement. Wealthier people save on a consistent basis. The key is to make saving painless. Automating your savings is an easy way to trick yourself into saving more.

        Paying your bills on time

        If you are behind on paying your credit card bills to the point where bill collectors are harassing you, you need debt counseling. By consolidating your credit card debt, you take control of the situation. Your creditors will agree to a Debt Management Plan so you have the peace of mind knowing you’ve resolved the debt without going to bankruptcy court. By learning proper budgeting tricks and strategies, you will never get behind on bills again.

        Getting rid of credit card debt

        Another characteristic of wealthier people is that they pay off any credit card debt they owe before the money is due. After fulfilling your obligations to pay off debt by making monthly payments on your Debt Management Plan, you can resume using credit cards. The ideal scenario, though, is that you never carry a balance beyond the due date. One trick is to set up on-line banking so you can pay through credit card throughout the month.

        Accessing your liquid savings

        People who tend to have more wealth also have money saved for emergencies as liquid cash. Some places to put your emergency savings include a money market account, regular savings account or even a safe deposit box. You want to keep your money safe. At the same time, people who are well-off don’t put money they might need within 5 years in the stock market because it’s too risky.

        Finally, debt counseling will teach you the greatest secret of wealthy people: to keep your overall debt low. Most people need to borrow money to buy big-ticket items such as homes or cars. If you only buy items you can afford, you will avoid financial disaster. With a car loan, consider only taking out a car loan you can pay off in three years. With a home, opt for the 15-year fixed rate mortgage. Being able to pay off big-ticket items in half the time proves that you can easily afford the items.

        At Christian Credit Counselors, we help our clients consolidate their debt with a doable Debt Management Plan that stops annoying calls from bill collectors. 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 card debt
          Christian Credit Counselors

          Credit Counseling and Divorcing Debt

          A Biblical Money Outlook

          In order to pursue a goal, you have to know why the goal is important. Some people assume it’s better to divorce yourself of debt. In actuality, some debt is beneficial to your lifestyle as long as the debt is mortgage, car loan or student loan debt you can afford. If you have credit card debt that has gotten out of control, you can rely on Christian credit counseling to show you a better path.

          Having a Christian foundation and outlook about money can provide much-needed push. It’s also important to reflect on the benefits of being free of credit card debt. Credit counselors can help you build a strong financial foundation, but it starts with eliminating debt through a Debt Management Plan. An article by Money Crashers challenges people to stop the debt cycle of life.

          Keeping More of What You Earn

          When you consolidate your debt with the help of Christian credit counselors, you have one monthly debt repayment bill to make that can easily blend in with your monthly bills. The goal of a credit counselor is to not only satisfy your creditors but to make your job of paying back your debt doable and realistic. That’s why your credit counselor works to eliminate late fees and reduce interest charges. When you owe less money every month, can keep more of what you make.

          Saving for Retirement

          People with a lot of credit card debt don’t typically save for retirement, especially if they have high interest rate credit cards. While you are paying on your Debt Management Plan and after you are free of credit card debt, you can more easily afford to save for retirement. If you meet certain income qualifications, some of your retirement contributions could be returned to you in the form of a tax credit. Similarly, if you work for a company that matches your 401(k) contributions, you will reap the financial rewards.

          Reducing Stress in Your Life

          Experts say people who carry excessive credit card debt also carry stress. Stress increases the risk of heart attacks and strokes. Consolidating your debt with the help of a non-judgmental Christian credit counselor can lift a burden. With less stress in your life, you are free to pursue other avenues for making more money or advancing in your career.

          Your credit score will start to improve as you pay off your debt and adopt better financial habits. If you dream of owning a home or a better car, you will more easily achieve your goals once you pay off your debt. Being debt free can also improve your relationships since money problems is one of the greatest source of marital problems. Other hidden benefits of being debt free and having a better credit score include lower insurance premiums. Some employers and property managers look at your creditor score and finances when deciding whether to hire you or allow you to rent a home.

          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 – Why it Beats Balance Transfers

            Getting over Holiday Debt

            If you rang up a lot of holiday debt, you could be suffering from a holiday debt hangover. For those who were already struggling with persistent phone calls by bill collectors, the solution isn’t to transfer the money you owe on one credit card to another card. Instead, it’s time to consider debt consolidation. According to a piece by Bankrate.com, yuletide credit card debt is often downright depressing.

            Before doing a credit card balance transfer, consider the fact that you’ll have to pay a balance transfer fee. If you can’t pay off the debt during the introductory interest rate or “teaser” period and you already have unpaid debts and late fees, a credit counselor can help you get organized. A trained and certified debt counselor will recommend you consolidate your debt in many circumstances.

            You Stop the Spending Habit

            If you are a spender, debt consolidation can interrupt your pattern. By agreeing to a Debt Management Plan, you are committing to a new habit of living below your means. Your new financial habits include budgeting for all of your expenses each month including a monthly debt repayment. If you just transfer the money you owe on one card to one with zero-percent interest, you won’t stop the habit of buying on credit.

            You Satisfy Your Creditors

            Many people can’t qualify for credit card balance transfers at zero percent interest rates. Most low-interest rate deals are for people with credit scores that are 700 or above. By talking to a credit counselor, you can learn how to improve your credit score so you will be eligible for low-interest credit cards in the future. In the meantime, a debt consolidation plan can satisfy your creditors. You’ll get to experience what it’s like to owe money at a lower interest rate as your credit counselors negotiate with your creditors. In many cases, creditors will forgive late fees.

            You Have Hope Instead of Guilt

            Many people feel guilty after going on a spending spree, even if they bought holiday gifts for others. When you agree to a Debt Management Plan, you release any feelings of guilt associated with bankruptcy and debt settlement. In the case of debt consolidation, you actually do pay back what you owe but you do it in less time. It’s also nice to know that you won’t start paying a low-interest rate only to switch to a 20 percent interest rate after 6 months or a year. When you transfer credit card balances, your annual percentage rate after the teaser period might shock you. With debt consolidation, you know exactly when you’ll be debt free. Having a payment plan with a final payment gives you hope.

            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

              Debt Relief – A Faster Fix with Credit Counseling

              A Debt Management Plan

              Once you make decide to get out of debt, you likely feel anxious to see your goal come to fruition as quickly as possible. Debt can weigh you down on many levels. Debt sometimes causes arguments, increases stress and depression for some people. By getting credit counseling on your own or with your spouse, you can achieve balance.

              According to a report by ABC News, one way to get out of debt fast is to get a consolidation loan. If you are dealing with a lot of debt at high interest rates, an even better solution is a Debt Management Plan that consolidates your debt. At Christian Credit Counselors, we help clients consolidate their debt and make one easy monthly payment to satisfy all of their creditors.

              Knowing your target date

              By consolidating your debt with a Debt Management Plan, you know exactly when you will pay off your debt. A trained and certified credit counselor will tell you when your last payment will be so you’ll have a debt-free target date. You can use that target date to plan for other financial goals such as saving up for a wedding or special event. If you have a car loan or student loans that aren’t included in the debt consolidation, you can still work toward paying off those debts at the same time.

              Lowering your interest rates

              The reason you will be able to pay off your debt faster with debt consolidation is because your credit counselor will go to bat for you to get your interest rates lowered by credit card companies. Once the experts at Christian Credit Counselors negotiate with the credit card companies, you’ll be pleasantly surprised by how quickly you can knock out your debt and how much money you’ll save in interest payments.

              Confronting your debt

              Some experts suggest people try a balance transfer to deal with credit card debt. Moving money from one credit card to another may seem like a good idea when you are trying to save on interest, but most people end up with more debt instead of less debt. With credit counseling, you learn how to budget, plan and save so you don’t rely on credit cards. Without counseling, you are likely to run up your old credit card so you have double the debt.

              The nice thing about receiving help from Christian Credit Counselors is you won’t feel judged. No one is there to criticize your spending habits or judge your life circumstances. Armed with information about how to improve your credit score and budget, you walk away feeling empowered. At Christian Credit Counselors, work for you to lower the interest you pay on your credit cards.

              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 Counseling For Help Recommitting to Your Financial Goals

                Getting back on Financial Track

                Most people start bright-eyed and bushy-tailed in the New Year, eager to achieve their new goals. After a few weeks and months, the enthusiasm to lose weight, pay off debt or quit a bad habit often wears off. When your enthusiasm slips and the bill collectors resume their calls, it’s the time to seek out debt counseling.

                According to a report by Bankrate.com, there are five easy ways to get back on track again if you gave up on financial goals. An experienced and certified credit counselor with Christian Credit Counselors will take the time to educate, motivate and inspire you to get out of credit card debt and build wealth.

                Re-visit your goals

                Before giving up on your plan to get out of debt in the New Year, remember your original thought process. What was the reason you wanted to get out of debt in the first place? Was your original goal too ambitious? A trained credit counselor can help you get on a realistic and do-able Debt Management Plan. By having a monthly payment you can afford, you’ll be able to make real progress toward your goal of being debt free.

                Pulling your credit report

                When you go through debt counseling, you will learn about how credit reporting agencies determine the score they assign to people. You should pull your credit report at least once a year so you know if there are any mistakes to correct. You want an accurate and up-to-date credit report.

                Considering the bigger picture

                Debt counseling can help you see the bigger financial picture beyond just getting out of credit card debt. The more you know about your money, the more you can get it to work for you. For example, you may decide to save for retirement. If you meet the income guidelines, you could qualify for a tax saver’s credit. After agreeing to a Debt Management Plan, you may get inspired to save up for a home or learn more about first time homebuyers programs.

                Making it all automatic

                With a Debt Management Plan, you will make a monthly payment that satisfies your creditors. Once you know how much to allocate for debt repayment, you can also set aside money for savings. Having money automatically taken out of your checking and saved for retirement and other goals is another way to renew your commitment to your financial goals.

                At Christian Credit Counselors, we commit to helping our clients achieve their financial goals. We can work on your behalf to lower the interest you owe on your credit cards as well as work out a plan to satisfy everyone.

                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 and Characteristics of Debt-Free People

                  10 Characteristics of Debt Free People

                  Some people seem as though they were born with a frugal gene. If you are carrying the load of high-interest rate credit card debt that you can no longer manage, you may long to emulate your debt-free friends. You may not even be to blame at all for the debt in your life.

                  Often, situations beyond our control leave us in debt. When you open yourself up to receiving help through credit counseling, you can learn what you can control and what you can’t control in terms of money.

                  According to an article by Credit.com, there are 10 characteristics of people who have no debt. Many people who go through credit counseling do continue to borrow money, but have better information about personal finances. If you want a debt-free life, it’s never too late.

                  A Stickler for Details

                  People who stay out of debt monitor their credit cards, sometimes every day. They know all their due dates for bills so nothing slips by them. By working with a certified credit counselor through Christian Credit Counselors, you will become one of the people who track their spending and keep track of every little receipt.

                  A Natural Saver

                  Debt-free people have another secret, which is they pretend to earn less money than they really make. They may have money automatically deducted from their paycheck to build up an emergency savings or retirement fund. When they get a pay raise, they celebrate by increasing their automatic contributions to a Roth IRA.

                  A Long-term Thinker

                  You can become a long-term thinker even if you have always lived in the moment. Some exercises include setting long-term goals such as saving for retirement or for a costly item such as a home. Another great benefit of credit counseling is the fact that you can get started on a Debt Management Plan to pay off your debt in less time. You’ll be able to think about how you want to budget in the next few years as you eradicate your credit card debt.

                  A Willingness to Ask

                  According to Credit.com, a characteristic shared by debt-free people is the willingness to ask questions and receive help. When they meet financially successful people, they aren’t timid about asking for tips. Trained credit counselors can answer all of your questions about improving your credit score, budgeting, planning and becoming free of credit-card debt. The nice thing is credit counselors won’t judge you.

                  Perhaps one of the greatest secrets to building wealth is the ability to say “no,” not only to others but to your own impulses to spend. If you can tell a friend or family member you can’t afford to give them a loan and tell yourself you can’t afford to waste money, you’ll more quickly build wealth. Ultimately, your experiences spending time with loved ones are more valuable than your possessions.

                  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

                    Busting the Myth That Debt Consolidation Hurts Your Credit

                    Many people get confused when it comes to debt consolidation vs. debt settlement scams. Your credit score is often decimated and destroyed by debt settlement as well as bankruptcy. According to a piece by Credit.com, how you consolidate your debt is the key to improving your credit score. Some people make the mistake of shuffling their debt around from one card to another card. Doing the shuffle might temporarily lower the amount you owe in interest, but often leads to more credit-card debt. A better idea is to work with a credit counseling company to start working on a Debt Management Plan. Trained credit counselors at Christian Credit Counselors can help you on different levels.

                    Improving your credit score

                    Because you are learning better financial management skills, your credit score will most likely go up after you receive credit counseling. Moreover, your will be paying back all of your creditors instead of neglecting your financial responsibilities. If you have maxed out your credit cards, it’s not too late to get the help you need so your credit score can recover. The slow and steady approach can often lead to better results in the long run.

                    Making it easier on your

                    One of the nice things about receiving help from a Christian credit counseling agency is that they will lift the burden off of you. They negotiate a lower interest rate on your behalf. Although you do pay a monthly payment, the agency then disperses the funds to your creditors. Having to remember just one consolidated payment simply makes life easier for you.

                    Having a more promising future

                    As Credit.com points out, once you have less debt because you have completed your Debt Management Plan, you’ll have stronger credit. In fact, experts point out that people with high credit scores tend to keep low balances on their credit cards. When you decide you are ready for credit cards in the future, you’ll know exactly how to use them so you are happier.

                    Some people wonder why they need a good credit score if they are going to pay off all their debt and pay with cash instead. Most people want to afford to buy a home or a car. If you have a good credit score, you’ll get a more attractive interest rate on an auto loan or home mortgage. With the high cost of leasing an automobile and renting an apartment, it makes financial sense to finance some big-ticket items.

                    At Christian Credit Counselors, we can help you start over with a Debt Management Plan that is doable and realistic. Our credit counselors will teach you everything you need to know about responsible lending, improving your credit score and budgeting.

                    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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