Debt Counseling
Debt

Debt Counseling – Preventing Deeper Debt

While there are a million different ways to get into debt, there are only a few prudent ways to get out of deep debt. Receiving debt counseling is a positive way to learn what you can do about nagging debt. One of the keys to preventing future debt is to figure out reasons you fell into debt in the first place. According to an article by credit.com, there are 5 common reasons people fall deep into debt. With debt consolidation, you can achieve a debt-free lifestyle. With the knowledge you gained when receiving debt counseling, you’ll avoid backsliding into debt. Each month you get one step closer to a debt-free lifestyle as you make a Debt Management Plan payment to your creditors. Put yourself on financial autopilot with an Automatic Pay System through a reputable credit counseling company such as Christian Credit Counselors. As your debt quickly disappears, consider how you can adopt better financial habits.

You stop treating credit like cash

According to credit.com, many people with debt use their credit cards as if it’s cash. If you can’t carry cash around with you, use a debit card. Keep most of your money in savings, but use the overdraft protection feature just in case you forget how much you have available to spend in checking.

You stop spending to impress others

Many people who receive debt counseling realize they overspend just to impress friends or family. As soon as you change your thinking to equate success with paying off what you owe instead of impressing others with your things, you prevent future credit card problems.

You learn to separate wants from needs

Another common reason people get into credit card debt is they have a hard time differentiating wants from needs. Your credit counselor will help you set financial goals and figure out your priorities. One major priority is getting out of credit card debt. A Debt Management Plan makes that easy.

You take responsibility for your money

Although most people don’t take a personal finance class in high school or college, it’s never too late to become educated. Some of the resources offered by Christian Credit Counselors include free financial education class online, locally and by phone. Whether you want to create a successful budgeting system or understand credit scores, there are classes available.

You prepare for the worst

It’s always good to hope for the best, but you need to prepare for the worst by having an emergency account. People who stay out of debt tap their regular savings accounts and then their emergency accounts. Some people even have back-up emergency accounts for various issues such as cars, medical and job loss.

At Christian Credit Counselors, we work hard to help our clients get out of debt and stay out of debt. By consolidating your debt, you’ll be blessed with a lower interest rate and faster payoff time.

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 – More Money for the 3 Biggest Expenses

    Housing, transportation and food are the three biggest expenses in your budget if you are a typical American. Some people use their credit cards to pay for groceries, especially if they are living in a home they can’t afford or driving a car that’s too expensive. With debt consolidation, you can dramatically reduce the money you owe to your creditors. In some cases, freeing up that extra money that used to go to high interest and late charges provides enough to adequately cover the so-called “big three expenses.” According to a recent story by The Motley Fool, whether or not you can afford your home, food or car indicates whether you are living comfortably within your means. A recently released report called the Consumer Expenditures Survey showed Americans spend 64 percent of their money on food, transportation and housing. It’s enlightening to see how you compare to the average person. By signing up for a Debt Management Plan through an accredited Christian credit counseling organization, you take back the control of your budget.

    Housing Expenses

    According to the study, housing covers everything from your mortgage or rent, electric bill, water bill and furniture. The Bureau of Labor Statistics reports people making between $40,000 and $50,000 spend $14,827 on housing compared to $16,972 for people earning between $50,000 and $70,000 and $18,433 for people earning between $70,000 and $80,000. Experts suggest buying a home or renting an apartment based on what you “need” rather than what you can afford based on salary. After getting out of credit debt with the help of credit counseling, you can afford to upgrade to a nicer home or apartment.

    Transportation Costs

    Your vehicle payments, oil changes, gasoline, toll fees, bus or plane fares make up your transportation costs. People earning between $40,000 and $50,000 spend $7,861 on transportation compared to $9,666 for people making between $50,000 and $70,000 and $10,845 for those making between $70,000 and $80,000. Experts suggest thinking about transportation when choosing a place to live. If possible, cut down on your commute by working at home or bicycling to your job. With a Debt Management Plan, you get out of debt quickly so you have more money for a car payment.

    Food Expenses

    The food budget category includes groceries for meals cooked at home as well as eating out expenses. People earning between $50,000 and $70,000 spend $6,733 on food compared to $7,762 for those earning between $70,000 and $80,000. People on the lower end of the income range often receive public assistance for food. It is frustrating to run out of money for food even though you are gainfully employed. Receiving credit counseling and consolidating debt turns things around.

    At Christian Credit Counselors, we help people enroll in a Debt Management Plan that gives them total peace of mind. Our Automatic Pay System can boost your credit rating and make it easy to pay what you owe each month.

    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
      Christian Credit Counselors

      Christian Credit Counseling – The Difference

      When you’re in debt, it can feel like you’re drowning. Working with a credit counselor to help you get out of debt and back on track can make you feel like you’ve taken a huge step in the right direction–but you may be wondering what the difference is between a normal credit counseling service and Christian credit counseling. While Christian credit counseling will provide all of the same opportunities as regular credit counseling, it will also offer a few other benefits.

      Your Faith is Priority

      Christian Credit Counselors understand what’s important to you. As a Christian, your faith is a priority in your life. Even while you’re working your way out of debt, you consider it important to tithe and to support your church. Traditional credit counselors might not understand this priority in your life or try to convince you that it doesn’t have any value, but a Christian credit counseling service understands that tithing is an expression of faith even in the midst of debt.

      Understanding Biblical Principles

      Christian Credit Counselors understand what the Bible has to say about money. That means that they’ll help you manage your money with an attitude of stewardship–that is, taking care of the bounty that God has given you to manage–rather than ownership. The Christian viewpoint on financial management is simply different from the one presented by American society today. Not only will you be encouraged to get out of debt, you’ll learn how to stay out of debt. That includes developing an attitude that accepts that God has provided enough–even when the world is calling you to believe that you need the next big item, the next big thrill, or the next major expense more than you need to stay out of debt.

      Prayerfully Consider Current Expenses

      Christian Credit Counselors will help you to prayerfully consider your current expenses. There might be more ways than you think to decrease your spending and increase your ability to get out of debt. Sometimes, simply keeping track of your current expenses for a month is enough to make those clear. Other times, you need to prayerfully consider how to reduce your current spending habits. That’s not just looking at things that you aren’t using (a gym membership that you’ve paid for long after you stopped going to the gym; a cell phone plan that has more minutes or data than you really need), but sometimes, things that you are. For example, do you have a hobby that is a constant drain on your finances–particularly one that does not honor God? What about a habit that God has been trying to convict you about: spending real money on online games, or a junk food addiction that you need to stop feeding? Prayerfully considering your current lifestyle and expenses can help you implement the plan that God has for your life.

      Christian Credit Counseling will help you learn to live a life of financial freedom. Debt is like a chain around your neck, pulling you down and preventing you from living the life that God has for you. By consulting with a Christian credit counseling service, you’ll not only learn how to get out of debt; you’ll learn to live a life of financial freedom as you spend your money according to God’s design instead of your own.

      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 – Learning to Use Credit Wisely

        Some people think people who receive credit counseling stay away from credit cards for the rest of their lives. In reality, you do stop using credit cards while enrolled in a debt management plan to pay off your creditors. With credit counseling, you take back the power by learning how to use credit wisely in the future. Some of the advantages of credit counseling through a reputable organization such as Christian Credit Counselors are finding out you aren’t alone and there is an easy way to get out of debt. Your trained credit counselor works with your creditors to eliminate late fees and lower interest charges. Christian Credit Counselors offers “Automatic Pay System,” which means you’ll be free of new finance charges and late fees. Talking to an empathetic and non-judgmental credit counselor helps you figure out where you went wrong. You’ll end up feeling uplifted, empowered and optimistic about where you can go from here, but first consider some common credit card mistakes.

        Paying bills late

        By consolidating debt and taking part in a debt management plan, you’ll feel less stress. Just as you take advantage of the Automatic Pay System, you can also set up bill pay online for your various expenses such as utilities and car payments. People who used to pay their credit cards learn how credit card companies jack up the interest rate when they make a late payment.

        Botching balance transfers

        According to an article by Kiplinger, bungling balance transfers is a common credit card mistake. You will likely feel tempted by an introductory interest rate. However, if you don’t solve the underlying reason you rely on credit cards, you’ll likely end up with even more credit card debt than you started with. By relying on a debt management plan, you end up with zero debt instead of more problems.

        Taking out cash advances

        Kiplinger points out another mistake people make is taking out cash advances using their credit cards. Some credit cards charge a $50 fee for cash advances, while others give you a higher interest rate. With credit counseling, you figure out a way to budget for your bills as well as save for emergencies. Even when you go back to using credit cards in the future, avoid cash advances unless it’s an extremely rare emergency situation.

        Spending to get rewards

        If you are buying things you don’t really need just to get the rewards offered by your credit card company, you may find yourself stuck in debt. It’s easy to get lured by the idea of free airline tickets and other perks for spending. With credit counseling, the rewards are in saving. You save money by paying less in interest as well as literally put money aside for your future. Living below your means is a fun adventure.

        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
          Christian Credit Counselors, Credit Counseling

          Credit Counseling – Four Long-Term Goals

          When you agree to receive Christian credit counseling, you open yourself up to new possibilities for your future. Setting long-term goals is just as important as figuring out how you are going to make it day-to-day. Some people get caught in the trap of living “hand-to-mouth,” especially when they feel burdened with too much credit card debt. Getting out of credit card debt is just one of several key financial goals you will likely set for yourself when engaged in debt counseling through a reputable non-profit organization such as Christian Credit Counselors. According to an article by Money Talk News, it’s important for couples to discuss their short-term, mid-term and long-term financial goals with a prospective mate. If you are already married, goal-setting is a fun couple’s activity that strengthens the marriage. According to a study by the cited by the article, 68 percent of respondents felt negative about discussing financial topics with a partner while 5 percent thought a money talk would cause them to break up.

          The goal of freedom from credit card debt

          Many people say credit card debt is “bad debt,” but it’s only bad if you have to pay interest on the debt. By consolidating your credit card debt as part of receiving Christian credit counseling, you end up paying less in interest charges. When you finish your Debt Management Plan, you’ll be completely free of credit card debt.

          The goal to own a home

          If you are renting, you likely want to own your own home. If you already own a home, your goal is to stay out of foreclosure and to eventually own your home outright. A certified and trained credit counselor will help you work out a budget so you can save up for a home or pay extra toward your mortgage while also satisfying your other creditors.

          The goal to support a family

          Paying for your children’s college or completing your own degree so you can get a better job is another worthy financial goal. People who receive Christian credit counseling also feel inspired to earn more money to support their family or pursue their passion to help others.

          The goal to fund retirement

          If you feel worried about whether Social Security will provide enough for you in retirement, consider contributing to a Roth IRA or a 401(k) through your job. Retirement planning is an important long-term goal. Crunch the numbers to figure out how much you’ll need in monthly income. Then include retirement savings into your monthly budget.

          At Christian Credit Counselors, we inspire our clients as forward thinkers. We have helped more than 300,000 families get out of debt and move on with their lives.

          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 Counseling
            Debt

            Debt Counseling to Avoid Debt Repayment Ideas You’ll Regret

            It’s one thing to have buyer’s remorse after running up your credit card balance. It’s another matter to regret your method of paying down the same credit card debt. Some strategies for debt repayment seem like a good idea at the time, but later cause regret. Taking out a loan from a 401(k) or borrowing from the equity in your home to pay off credit cards are a few ideas that can come back to haunt you. By receiving debt counseling from a reputable credit counseling company, you’ll learn the best ways to eradicate credit card debt without jeopardizing your future. According to a recent article by CBS News, CardHub predicts new credit card debt will increase by 5 percent this year. The credit card comparison site reports the average credit card balance for an American household is now at $7,200. If household credit card debt reaches $8,300 level, experts warn that level is “unsustainable.” In other words, consumers would have to seek debt counseling to figure out a solution.

            Don’t borrow from a 401K

            Borrowing from a 401(k) to pay off debt doesn’t make sense since your retirement accounts are the only financial accounts truly protected from lawsuits and other legal issues. With debt counseling, you can find out about better alternatives such as a debt consolidation plan. You’ll not only pay back what you owe your creditors, but save a lot of money on interest. Another reason not to borrow from a retirement account is the fact that you’ll need the money to supplement Social Security when you reach retirement age.

            Don’t take out a home equity loan

            If you own a home, you want to keep your asset safe. Taking out a home equity loan puts your home at risk if you can’t pay your primary mortgage as well as the second mortgage or HELOC. If you are renting, you may have heard people say it’s better to take the money you would have spent on buying a home or paying off credit card debt to invest in the stock market instead. With debt counseling, the goal isn’t to figure out a ‘get-rich-quick scheme,’ but to change your financial habits for lifelong success.

            Don’t transfer your balances

            Transferring credit card balances from one card to another or trying to pay off the credit card with the highest interest rate first could work for a short period of time. In most cases, people just can’t solve their debt problem on their own. A better idea is to use the snowball approach of paying off debt, which means paying off the smallest balance first before moving to the next balance. If you decide to consolidate your debt with a Debt Management Program, your life becomes simple. You only need to make one debt payment each month without needing to talk to your creditors directly, transferring balances or trying to figure out what to pay first.

            At Christian Credit Counselors, we do the hard work for you by negotiating with your creditors and getting everyone on the same page. We directly pay all of your creditors from the one payment you make each month. Many clients end up saving thousands of dollars in interest charges and late 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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              Debt Consolidation
              Debt Consolidation

              Debt Consolidation – 5 Signs You Are a Great Candidate

              For most people, declaring bankruptcy is a drastic step that not only ruins your credit, but often leaves you emotionally bankrupt. Before spending thousands of dollars on attorney fees and going though bankruptcy court, consider debt consolidation. Debt consolidation is a lot less complicated, and you are a candidate for Debt Management Plan if you have a lot of credit card debt. By signing up for a Debt Management Plan through an accredited credit counseling agency, you save your pride as well as hundreds of dollars in interest fees. According to a recent article by Huffington Post, some people ignore the signs that they are financially overextended. Maybe they think they are managing their debt, but barely getting by. Instead of staying in denial, pay attention to the signs that you need credit counseling.

              You use multiple lines of credit

              If you find yourself opening up new lines of credit or asking your credit card company to increase your credit limit, it’s a sign you are living beyond your means. Don’t fall into the trap of thinking you will be able to pay your higher credit card bill because of a job promotion in the future. Instead of relying on a future that may or may not happen, work with what’s going on today. With debt consolidation, you pay what you currently owe to creditors with one easy monthly payment. Because your credit counselor negotiates more attractive interest rates on your behalf, you save.

              You carry debt for years

              If you have a credit card balance for a few months, it’s understandable. After all, it’s easy to use a credit card for emergencies such as a car problem. If you find yourself carrying a balance on the same credit card for years instead of a few months, it’s a warning sign of financial disaster. When you agree to a Debt Management Plan, you stop running up new credit card debt so you can get rid of your old debt once and for all.

              You use credit card for daily needs

              Using your credit card to buy food, medication or gasoline isn’t necessarily a bad thing. It all depends on whether you can pay off the bill. Some people use a credit card because it’s convenient. However, you know you are in financial trouble if you have to use a credit card to pay for food because you have no money in your bank account and no cash at hand.

              You have dwindling savings

              If you notice your savings account is getting smaller while your credit card balance is getting bigger, take action as soon as possible. People who consolidate their debts often free up enough money in their budget to start building up their savings accounts again.

              You are behind on bills

              If you can’t pay your bills on time every month, it’s another sign you are financially overextended and need credit counseling. If you do have several late charges, the good news is a trained credit counselor is able to talk to your creditors to reduce or eliminate the late fees.

              At Christian Credit Counselors, we make getting out of debt easy for our clients. Let us save you money in interest charges and late fees as well as get you out of debt 80 percent faster than other methods.

              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

                Your Credit Score – Tips to Raise it

                Unfortunately, credit is an important part of our life. Good credit is required for so many things, like applying for a car or home loan, applying for a credit card, and even some seemingly unrelated things, like getting a job. If your credit score is lower than average, you’ve probably already found out that life can be a lot harder for someone with a low score. Fortunately, there are plenty of ways to improve your credit score. Of course, there is no overnight fix, but here are a few ways to get started fixing your credit score.

                Pay Everything On Time

                This might be obvious to some, but it’s one of the most important steps to raising and maintaining a credit score. Whether you have bills from credit card companies, banks, or companies that provide anything else like power and water, every time you don’t pay them completely, your score drops a little. If you can’t pay every bill off completely, pay off as much as you can each time. This might also be a good time to talk to a debt counselor, as you may have more trouble than you realize.

                Apply for Credit at the Same Time

                If you do need to apply for credit, for example, a debt consolidation loan, try to complete all of the applications in a relatively short period of time. When the credit agencies notice that you’re applying for credit a large number of times, they assume that you’re applying for multiple lines of credit, which could drop your score. However, as long as the applications are within a shorter period of time, say a month or so, they are more likely to understand that you are simply applying for a single line of credit in multiple places.

                Wait for Good Credit

                This is not the most efficient way to raise your credit score, but it can be helpful to you. Credit agencies only consider activity within the last seven years. This means that even if you have terrible credit now, and you do nothing more than follow the rules of maintaining good credit, such as paying bills on time and keeping a reasonable debt-to-credit ratio, your score will go up by itself over time, and in seven years, you’ll have pristine credit.

                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 – Understanding how it Works

                  A number of people have been able to get their lives back on track thanks to debt consolidation. You may have seen commercials or have read articles about the amazing benefits of debt consolidation, but you do not know exactly how it is possible to provide that much relief. It is possible, and if you are struggling with a large burden of debt, you should look into debt consolidation for yourself. It really does work! Let’s take a look at what exactly occurs during the debt consolidation process.

                  A Debt Analysis Meeting

                  Meet with a skilled credit counselor. But beware! You should not have to pay for a consultation or offer any personal information before you go in for a consultation. If you come across something like this, go elsewhere you are about to walk into a scam.

                  A real, considerate credit counselor will meet with you for free with no obligations for future services or payments, and they will discuss with you in-depth your specific debt situation and the viable solutions that are available to you.

                  Debt and Budget Planning

                  Poor planning is what got you into a heap of debt to begin with. A credit counselor will work with you to hash out an acceptable financial plan moving forward. You’ll be able to determine exactly what benefits you will be getting out of a debt consolidation program and be able to ask all of the questions you want before you join the program.

                  Time to Get Out of Debt!

                  Once in the program, skilled credit counselors will work tirelessly to lower your interest rates and consolidate your payments into one monthly payment. You’ll no longer have to deal with those pesky creditors again!

                  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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                    Uncategorized

                    Budget Ideas for Mother’s Day

                    Mother’s day is just around the corner, have you thought about what you will do for your Mom? If you are married and have kids; what are you and the kids going to do for your wife? It’s easy for most to spend money on gifts, lunches, or a night out. It’s important that you make and stick to a budget, and it’s especially important when you are trying to save money and get out of debt. That means you need to get a little creative and put some extra thought into things. We have scoured the web and racked our brains to come up with our top three favorite Mother’s Day categories with tons of ideas to show Mom you care!

                    Pampering, rest, and relaxation

                    1. Breakfast in bed, nothing says I love you more than a few flowers from the garden and a yummy breakfast made by you and the kids. Check out this post on Hallmark.com with 32 Mother’s Day recipe ideas.
                    2. Buy something to delight her senses and enable some relaxation. Ideas include her favorite lotion, a beautiful smelling candle, bath salts, a yummy smelling body scrub, or even perfume. It does not have to be expensive just something thoughtful then make sure you facilitate some “her” time so she can use whatever you chose to buy for her. Many of these items can be found at inexpensive places like Marshalls, TJ Max or Ross.
                    3. If you are the adventurous type and feel comfortable giving your wife a manicure, pedicure, or massage go for it! Bonus points!

                    Show her you care

                    1. Take some time to think about some of your favorite memories with Mom. On Mother’s Day, spend some time with her remembering and talking about those special memories. Let her know how important those memories are to your life today.
                    2. Just think about all the times your mom and/or wife has cleaned up after you and /or the kids over the years. What a wonderful surprise if you hired a cleaning crew or just you and the kids cleaned your house and/or your mother’s house. If you do it yourself this will cost you nothing but the time to make it happen.
                    3. Create your own custom fortune cookie with a special message for mom, no cooking necessary! Just watch this short video from Datevitation a great website on how to have fun together. Click here for the step-by-step video.
                    4. Have kids? Create this special craft from our friends at Hallmark it will be sure to melt your wife’s heart!

                    The traditional stuff

                    1. Flowers, interestingly enough studies show that flowers give women a mood boost that lasts up to several days. They don’t need to be roses. Most grocery stores and roadside stands have beautiful alternatives to roses at a much smaller price tag. If you have a Costco near by they always have a gorgeous selection for less.
                    2. Chocolates and a small jewelry item, it does not need to be expensive. Most women prefer costume jewelry over fine jewelry these days because they are stylish and vibrant in color.
                    3. Date night, dinner, movies, miniature golf, bowling or something else you don’t normally do on a regular basis.
                    4. Plan a special outdoor picnic in her favorite nature spot, park, lake, or the ocean if you live near it. It’s a great family activity and a way to create new memories. If you have kids you can get them involved in the planning and execution of the special meal.

                    These are just a few budget saving ideas … to get you started! Mother’s day is a special time of year. It’s a time to honor, say thanks by loving and cherishing those that raised us and/or are in the midst of raising your kids. Have a cool idea, or maybe you tried one of these ideas? Let us know … be sure to share your experience with us! You never know, we may feature your story in our next client newsletter!!

                    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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