Debt Consolidation

Debt Consolidation When Daily Expenses Exceed the Average of $140

For people who earn a high salary or live on a substantial trust fund, spending more than $140 a day isn’t necessarily a financial problem. According to the annual Bureau of Labor Statistics’ Consumer Expenditure Survey, the average American spends $140 each day. If you are spending more than $140 on the average salary, you could benefit greatly from debt consolidation. When you consolidate your credit card debt, you often lower your monthly expenses. With the help of a trained credit counselor, you also learn the budgeting skills that make it possible to build wealth instead of just getting by. You may decide to enroll in a debt management plan that makes paying back your credit card debt simple and more affordable. According to an article by themotleyfool.com, it’s difficult to know where all your money goes every month due to credit cards. While credit cards make life more convenient, they can also create financial turmoil when you lose track of how much debt you owe. The consumer spending survey cited by themotleyfool.com showed Americans spend $140 on eight categories. It’s interesting to see how you compare. People use 65 percent of their money on food, housing and transportation, the survey showed. Talk to a credit counselor about how you can consolidate debt to free up more money for your daily living expenses by achieving a lower interest rate. Also, try tips for lowing expenses without majorly detracting from your current lifestyle.

Housing Expenses

Some ways to save money on housing include downsizing to a less expensive home or apartment. If you have a low credit score, consider living with relatives until you get out of debt. Your credit counselor will explain ways to improve your credit so you can buy a home or pass a credit check for a rental home.

Transportation Expenses

While financial gurus such as Dave Ramsey suggest paying cash for a car, it may take several months or years to save up as much as you need. Improving your credit score helps you achieve a lower interest rate on a car loan. If you do decide to take out a loan, stick to a 3-year loan term so you minimize interest charges.

Food Expenses

You can save money by joining a community garden or growing produce in your backyard. If you aren’t interested in gardening, keep a folder for coupons and restaurant deals. Also, start taking advantage of leftovers.

Retirement Savings

Ideally, the average American should put at least $14 of the $140 a day into a retirement savings account. If you aren’t saving 10 percent of your daily income for retirement, it’s a sign you could benefit from debt counseling. Experts say many Americans won’t retire because of the retirement savings shortfalls.

The average American also spends income on healthcare, entertaining, apparel and miscellaneous items. By having a good health insurance policy, you protect your finances from the unexpected illness or injury. While entertaining is fun, it’s a “want” and not a “need.” With debt counseling, you learn to prioritize your spending so you meet your financial obligations first before spending money on entertainment or vacations.

At Christian Credit Counselors, we negotiate with your creditors on your behalf to save you money on interest and late charges. In many cases, our clients pay off their debt 80 percent faster with a fast-track debt management plan.

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.

    Full Name (required)

    Email (required)

    Are you a current client of Christian Credit Counselors? (required)

    Type the code below in the text box. (required)
    captcha


    CCCc2abutton

    ​Read More
    Christian Credit Counselors

    Credit Counseling or Financial Therapy

    Not everyone who needs Christian credit counseling suffers with a “money disorder.” Some people just fail to budget properly and let debt spin out of control due to poor financial habits and unforeseen circumstances. Before seeing a financial therapist, consider whether you might be better served with help from a certified credit counselor. Some people have never heard of financial therapists. According to an article by cheatsheet.com, there are signs that you need financial therapy. Experts say the Financial Therapy Association is fairly new, and the field itself is new. If you feel stressed out about your credit card debt, it doesn’t mean you have an underlying psychological problem related to money. In many cases, you just need Christian credit counseling to learn how to consolidate debt, budget and improve your credit score. Money is the No. 1 stress factor in most people’s lives. Financial psychologists say some people think have attitudes about money that often cause problems. Three of the major money mindsets or money disorders that lead to debt include money status, money vigilance and money avoidance.

    Money status

    People who associate money with status aren’t necessarily selfish. Many people who value money for the status aspect share their wealth with children. While it’s not a problem to spend money on other people, it’s a sign of a deeper problem if you give away money even though you can’t pay your bills. With debt counseling, you can learn how to budget for gifts and charity while meeting your responsibilities.

    Money vigilance

    Although it sounds good, people who are too frugal won’t go to the doctor because they want to save money. You can run up credit card debt by failing to maintain a car or your own physical health. Many people who are too frugal end up using credit cards when a small problem turns into a major problem.

    Money avoidance

    According to cheasheet.com, if you avoid your financial problems it causes overwhelming anxiety. If you are in financial denial, it helps to receive non-judgmental Christian credit counseling to figure out your situation. You may find all it takes to recover financial is a debt management plan. Warning signs that you have the money avoidance problem include not looking at bills, getting new credit cards and avoiding conversations about money.

    Some people with an “aversion to wealth” require psychological or spiritual counseling. It’s respectable to earn money by helping others and contributing to society in various ways. It’s also honorable to pay back the money you owe as well as save on.

    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.

      Full Name (required)

      Email (required)

      Are you a current client of Christian Credit Counselors? (required)

      Type the code below in the text box. (required)
      captcha


      CCCc2abutton

      ​Read More
      Debt

      Debt Counseling – Five Signs You Need It

      Living large by having a lifestyle you can only afford with credit cards feels fun and glamorous in the most. As time goes on, your credit card balances reach their maximum limit. According to a piece by dailyworth.com, there are signs that you are living beyond your means. By receiving debt counseling, you differentiate between wants and needs. You learn how to have some of the things you want with a proper budget. If you decide to consolidate your debt, you may free up more money to save for the future. Talk to a certified credit counselor about the benefits of debt consolidation and whether it would save you interest on your credit cards. You could also get out of debt faster with a monthly debt management plan. Having structure often helps people who have lived in the moment and lived large.

      Do you have a fear of missing out?

      One question to consider is whether you spend money because you feel afraid you will miss out. Few people like to feel left out. Consider your motives for spending money. If you just want to spend quality time with your mom, pick something free to do such as gardening as opposed to going to the movies.

      Is your minimum payment growing?

      If the minimum you owe on your credit card is growing instead of shrinking, it’s a clear sign that you are living beyond your means. By consolidating debt, your credit card balance won’t get any larger. You might be surprised to find that you don’t have to give up spending money on the things you love just because you are on a debt repayment plan.

      Do you save at least 5 percent?

      If you can save 10 percent of any money you earn or receive, you know you are doing really well. If you can’t even save 5 percent, it’s a sign of financial trouble. According to experts, saving should come first before spending. Put money aside by automatically contributing at least 5 percent to a Roth IRA. If you can’t, talk to a credit counselor about ways to lower your bills.

      Do you have an emergency fund?

      Using your credit card to pay for a flat tire because you don’t have enough money in savings is another bad sign. Even if you use your credit card for convenience, you should have enough in reserves to pay the balance. Experts suggest you keep an emergency fund of 6 to 9 months of living expenses. If you can’t save up even $500, you need to increase income and consolidate debt.

      Are you always out of money?

      Whether you get paid every week, every other week or once a month, it’s important to have money leftover. If you are broke days before your paycheck, you are likely living beyond your means. Living paycheck-to-paycheck is demoralizing and stressful. You are more likely to get into troubling financial situations such as having to pay overdraft fees.

      Even if you answered “yes” with many of the questions, you have no reason to despair. At Christian Credit Counselors, we provide debt counseling and advice for people seeking to consolidate credit card debt. We will help you avoid bankruptcy and unethical debt settlement scams that prey on people burdened with 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.

        Full Name (required)

        Email (required)

        Are you a current client of Christian Credit Counselors? (required)

        Type the code below in the text box. (required)
        captcha


        CCCc2abutton

        ​Read More
        Debt Consolidation
        Debt Consolidation

        Debt Consolidation – 6 Ways to Stay Debt Free

        After you consolidate your debt with the help of a reputable credit counseling organization, you will be on the path to true financial freedom. Many people use debt consolidation as that changing point in their lives. Once they have paid off their credit card debt through a debt management plan, they are ready to maintain a debt-free lifestyle. You don’t have to forgo fun and entertainment. According to a recent article by cheatsheet.com, dedicated savers often commit to a spending “diet” by setting limits on how much they spend. By obtaining credit counseling you get help from insightful trained credit counselors. You can identify your weaknesses so you don’t fall back into debt again after debt consolidation. Experts with the Urban Institute say 35 percent of adults have debt in collections. A credit counselor will advise you on how to best turn your situation around, but it’s up to you to continue on the right road.

        Work on a sizable savings account

        According to cheatsheet.com, unexpected expenses pose a major threat to people who want to live a debt-free lifestyle. By having a large emergency fund, you won’t have to use a credit card. One trick is to reward yourself with a mini vacation or trip after you have saved up a 6 months emergency fund as well as the funds for the trip.

        Pay off your balance right away

        When you enroll in a debt management plan, you temporarily stop using credit cards. After paying back your debt through the plan, you will likely use credit cards again in the future. With the knowledge you have about credit scores, debt and budgeting, you will pay off your credit card transactions immediately. With online banking, consider even paying off the charge the same day. Using a credit card is a convenience when you need to reserve a hotel or rent a car, but not your go-to plan.

        Buy an inexpensive car

        Some experts recommend only buying a car you can afford with cash. Others say it’s fine to take out a car loan as long as it’s only for three years. If you live in an area with public transportation, crunch the numbers to see how you can save money. Share rides or “car pool.”

        Consider community college

        Another tip for living a debt-free lifestyle is to stretch your scholarship money for college by attending community college. Government officials say they may begin offering free community college in the future. Encourage your family to take advantage of college tax credits.

        Rent if it costs less

        Depending on where you live, it could cost less money to rent instead of buy a home. Instead of insisting on having your own apartment, consider renting an apartment with a friend or relative. People who are part of the tiny home movement downsize dramatically so they can lower their bills, but you don’t have to live in a 300-square foot home to spend less on housing.

        Buy what you need

        Buying what you need instead of what you want is another good financial habit. After consolidating your debt, you might be tempted to start spending more money. You could end up freeing up cash flow because your credit counselor will lower your interest. Instead of spending the extra money in your budget, try to stay in the money-saving mindset.

        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.

          Full Name (required)

          Email (required)

          Are you a current client of Christian Credit Counselors? (required)

          Type the code below in the text box. (required)
          captcha


          CCCc2abutton

          ​Read More
          Christian Credit Counseling
          Christian Credit Counselors

          Christian Credit Counseling – Christ is the Operative Word

          On the night before his crucifixion, Jesus shared an intimate Passover supper with his disciples. At one point during the meal, Jesus rose from the table went to a corner of the room, removed his outer garments, and wrapped himself in a towel. He then proceeded to wash the dust from the feet of each disciple. Here was their teacher–their Rabbi–the Son of God on his knees washing the feet of men.

          When finished, Jesus donned his garments and resumed his place at the table. “Do you know what I have done for you?”, he asked. “You call me ‘Teacher’ and ‘Lord,’ and rightly so, for that is what I am. Now that I, your Lord and Teacher, have washed your feet, you also should wash one another’s feet. I have set you an example that you should do as I have done for you. Very truly I tell you, no servant is greater than his master, nor is a messenger greater than the one who sent him. Now that you know these things, you will be blessed if you do them.” (John 13:1-17)

          When it comes to Christian credit counseling, the operative word is not credit. It is not counseling. It is Christ. Everything pales in comparison to this single perfect act of humility and servitude to his fellow-man than Jesus washing the feet of his disciples. The caring and compassionate staff at Christian Credit Counselors strives to model Christ by serving others with a humble and loving heart. It is with the compassion to help those who are truly hurting that fulfills Christian Credit Counselors’ mission.

          Managing debt on a day-to-day basis is intimidating. However, out of control debt is a nightmare, leading to more devastating consequences than simply financial stress. Uncontrolled debt is largely responsible for destruction of marriages, disintegration of entire families, loss of sleep, emotional distress, physical maladies, and drains the spirit of joy, peace, contentment, and happiness. One of the overarching reasons why out of control debt delivers a devastating blow is that people often feel they’re alone and on their own to manage, as if in a rowboat in the middle of the ocean without any oars to paddle. But taking a few moments to speak with a debt consolidation specialist at Christian Credit Counselors, you realize that after 24 years and 300,000 clients, you are not alone.

          But the first thing to do is let Christian Credit Counselors help protect you from debt settlement schemes and collection scams designed to take what little resources you have left and worsen your problems.

          When you contact and arrange to meet with one of our specialists, they will provide you with a free debt analysis, taking as much time as needed to fully understand the nature of your debt to advise you on a debt consolidation program. They will walk you through the process step-by-step insuring you are comfortable and fully informed during each step. Then, it is off to working with more than 400 creditors to assist in getting you an affordable repayment plan and schedule.

          And the best thing about it all, Christian Credit Counselors staff provide you with solid counsel, not only to weather this storm, but equip you with the tools to better manage your finances and avoid those financial storms in the future.

          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.

            Full Name (required)

            Email (required)

            Are you a current client of Christian Credit Counselors? (required)

            Type the code below in the text box. (required)
            captcha


            CCCc2abutton

            ​Read More
            Debt Counseling
            Debt

            Debt Counseling, Money Problems, and Depression

            While having a lot of money doesn’t always make you happy, some people experience more depressive symptoms because of overdue bills. According to a new study out of the University of Wisconsin-Madison, there is a link between depression and credit card payments that are past due. Money problems strongly affect pre-retirees and unmarried people. If you are nearing retirement age, you already have enough stress in terms of saving up for retirement. Unmarried people don’t have the backup income or support of a spouse. Fortunately, you can benefit from debt counseling no matter who you are. Trained credit counselors use a non-judgmental approach to help you get back on track financially. If you are feeling depressed, it’s important to talk to a member of the clergy and your doctor. Following through with debt counseling gives you financial tools so you don’t feel as powerless.

            Start with a debt analysis

            In addition to talking to medial professionals about your symptoms of depression, it’s smart to contact a non-profit credit counseling and debt management organization such as Christian Credit Counselors. You will receive a complementary debt analysis and budget.

            Consolidate your debt

            If you struggle to make the payments on several credit card bills, one solution is to consolidate your debt. If you thought it would take you 30 years to pay off your credit card debt, you would likely feel extremely hopeless. With a Debt Management Plan, the payoff time range is often just 24 to 60 months or less time than it takes most people to pay off a car loan.

            Enjoy the savings

            Debt counseling shows you how to manage your personal finances so you live within your means. You also start saving money by not putting items on credit. Trained credit counselors lower your interest rates by negotiating with your creditors. You also save money by learning how to operate in life without relying on credit cards.

            Whether you are close to retirement age or are single, you need money set aside for the future. Single people who don’t have financial support from others need a hefty emergency savings account. Pre-retirees need to max out their retirement contributions, taking advantage of catch-up contribution provisions offered by the IRS. With debt counseling, you get the edge you need to save.

            At Christian Credit Counselors, we offer a debt management program to help you avoid debt settlement scams, bankruptcy and the helpless feelings and sadness tied to debt. We have helped more than 300,000 Americans become debt free. Let us negotiate a program for 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.

              Full Name (required)

              Email (required)

              Are you a current client of Christian Credit Counselors? (required)

              Type the code below in the text box. (required)
              captcha


              CCCc2abutton

              ​Read More
              Debt Counseling
              Debt

              Debt Counseling – A Must Have for Broke Confident Americans

              Feeling confident is a positive trait, but a new survey shows some Americans have big gaps in their financial knowledge. With debt counseling, you can become financially savvy and learn about ways of getting out of debt. According to a recent article by usatoday.com, a new survey by Fifth Third Bank showed almost 60 percent of people believed they are financially savvy. However, of the people who felt confident of their financial knowledge, only 38 percent knew the annual percentage rate on the main credit card they use. Sixty percent said they don’t have enough money in savings to keep them afloat for at least 6 months. Ninety-percent of those surveyed didn’t know how much money they could contribute to a 401(k) plan. Experts say a lot of young people don’t learn about personal finances because it’s not taught in school. Also, money is a sensitive topic for a lot of families. With confidential and discreet debt counseling, you can get the answers to any of your money questions. A trained credit counselor is there to provide you with support without casting judgment.

              Earning interest instead of paying it

              One of the great things about saving and investing is that you understand the flip side of interest rates. When you have credit card debt, you pay the credit card companies hundreds or even thousands of dollars in interest charges. By consolidating your debt, you get to enjoy lower interest rates. With the money you save over time, you can save and invest so you get a positive return on your money.

              Protecting your credit score

              Many people feel like they have no control over their financial situation because they owe so much money. If you have ever felt tempted to declare bankruptcy, consider debt counseling. A positive alternative to debt settlement scams and costly bankruptcy proceedings is debt consolidation. With bankruptcy, you essentially ruin your credit score for years. Without a decent credit score, you will be less likely to buy a home or a car. With a debt management plan, you feel better knowing you paid back what you owed. A Christian credit counseling organization simply got you a better deal by negotiating lower interest rates.

              Budgeting for today and the future

              A credit counselor shows you how you can make a monthly payment to a debt management plan while still affording your other bills and expenses. Instead of living paycheck-to-paycheck, you create wiggle room in your budget. In addition to having the money for vacations, an occasional night out and necessities, you can budget for the future. Some of the key savings goals to include in a future-minded budget include a better home, car, college or career training, medical costs and a general emergency fund.

              Whether you have questions about credit scores, budgeting or debt consolidation, you can become financially savvy through debt counseling. At Christian Credit Counselors, we can help you get out of debt 80 percent faster than traditional 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.

                Full Name (required)

                Email (required)

                Are you a current client of Christian Credit Counselors? (required)

                Type the code below in the text box. (required)
                captcha


                CCCc2abutton

                ​Read More
                Credit Cards

                Credit Card Promotions and the Untold Truth

                Understanding Promotional Credit Cards

                These days, just about every store has credit card advertising … some kind of low interest promotion. How often have you seen sales advertising “0% financing for 18 months” or “Pay no interest until next year”? These deals are hard to pass up, but they can end up costing you if you aren’t careful.

                Understanding the terms of the promotion can help keep you stay out of trouble. In most cases, if you don’t pay off the balance within the promotional term you will be back-charged interest from the day of your purchase. You could end up paying thousands more and see your monthly payments spike in the long run.

                 

                Speaking of payments, if you are on a promotional plan and miss or are late on a single payment you may lose the reduced APR. Your purchase would then start being charged the account’s regular APR, which is usually over 20%.

                So how do you take advantage of the perks of a promotion without falling victim to the back-charged interest and high monthly payments?

                When deciding to make a purchase using “special financing”, check to make sure you can afford the monthly payment required to pay the purchase off before the plan expiration. This means you will need to pay more than the minimum monthly payment listed on your credit card statement. To find out how much you will need to pay on that credit card monthly divide the total purchase (balance) by the number of months included in the promotion. For example, a purchase of $2000 with a 0% interest promotion for 18 months will require a monthly payment of approximately $112.

                 

                If you or someone you know is having trouble making payments, have them call the creditor. They want to keep you as a customer and may be able to offer you different payment options.

                If you feel like you are in over your head, call one of our certified credit counselors for a free debt analysis. We have relationships will all the major creditors and can help educate you about credit and 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.

                  Full Name (required)

                  Email (required)

                  Are you a current client of Christian Credit Counselors? (required)

                  Type the code below in the text box. (required)
                  captcha


                  CCCc2abutton

                  ​Read More
                  Uncategorized

                  Financial Responsibilities of Fathers

                  What role do you play in your household? What are your responsibilities? For more than seventy million fathers in the United States countless responsibilities are assumed, especially when it comes to the well-being of their family. Even though many households today consist of two-income families, a lot of the financial, physical, and spiritual stress can fall on the man of the house. After all, who taught you how to ride your first bike? Who was there to make it all better when you fell and scraped your knee? Who took you to the daddy-daughter dance at your school or church? Who taught you how to throw a baseball? Who tucks the kids in bed and kisses you good night? Not only can fathers and husbands be looked to for being strong role models that provide the significant mental and emotional pillars of love, guidance, security, support, and wisdom but they also take on vast financial responsibilities as well.

                  Today, it’s estimated that Americans spend over one billion dollars each year on gifts for Father’s day to show their appreciation for taking on these responsibilities and providing for their family… but what does a FATHER spend on HIS family for the other 364.5 days of the year? According to the newly released estimates from the U.S. Department of Agriculture, it will cost a middle-income couple $245,340 to raise one child born in 2013 to the age of eighteen and this doesn’t even include the cost of college! Of course, this amount can vary widely depending on location, income, and number of children in the household. Nevertheless, let’s take a look at JUST A FEW things that a father may be financially responsible for providing to his family:

                  • Basic Needs- food, water, clothing, housing
                  • Health care- insurance for family/dependents
                  • Child care and Education- day care, tuition, educational materials, transportation
                  • Future Security- college tuition, retirement, will or testament to family, life insurance
                  • Miscellaneous- transportation, lessons, leagues/teams, concerts, vacations, trips, toys, candy, ice cream, gifts, video games, technology, etc.

                  You must admit, these are FAIRLY important aspects in life (food, housing, AND CANDY) and this list only scratches the surface of responsibilities that a father may undertake as an important contributor or head of the household! Father’s Day is a time to say thank you to fathers who accept all of these duties and more. So how can we repay them? Remember, saying “thank you” is free of charge but is a simple phrase that can be worth more than you know! How will you celebrate Father’s Day?

                  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.

                    Full Name (required)

                    Email (required)

                    Are you a current client of Christian Credit Counselors? (required)

                    Type the code below in the text box. (required)
                    captcha


                    Resources: www.history.com, www.money.cnn.com

                    CCCc2abutton

                    ​Read More
                    Credit Counseling
                    Credit Counseling

                    Credit Counseling – Overcoming Embarrassment of Debt Talk

                    Not everyone feels comfortable having the “debt conversation” with their loved one, but may feel curious about credit counseling. If you are struggling with too much debt, you aren’t alone. By talking about debt with a non-judgmental and trained credit counselor, you will likely see positive solutions on the horizon. You may never want to talk to people in your personal life about your credit card debt. Disclosing information about your personal finances to the people around you is your judgment call. When talking to a certified credit counselor, you will learn about debt consolidation as one option that will get you out of debt. According to a recent article by dailyfinance.com, a lot of people feel embarrassed by how much money they owe to creditors. The article cited a survey that showed about 42 percent of people in the U.S. have credit card debt with an average balance of almost $11,000. A National Foundation for Consumer Counseling survey indicated 37 percent of people feel less embarrassed to talk about their weight or age than to admit to how much credit card debt they are carrying.

                    You Aren’t a Financial Failure

                    Experts say credit card debt leads some people to feel like they are a failure. With credit counseling, you learn to evaluate your circumstances in a more pragmatic way. Instead of dwelling on past choices, you get started making financially prudent choices. When you sign up for a Debt Management Plan, you know there is an end goal date in mind when all of your credit card debt is gone. You just make a monthly payment after your credit counselors negotiate a lower interest rate. Achieving a lower interest rate and saving money translates into success instead of failure.

                    You Can Live on a Budget

                    Another fear that people with credit card debt have is that they can’t actually live on a budget. According to dailyfinance.com, some people won’t confess to their friends and family that they can’t afford to spend money. By pretending to have more than they have, people get into more credit card debt. When you receive credit counseling, you find out how to live on a budget while still enjoying life and taking care of your family.

                    You Can Talk it Through

                    Even if you never chose to talk to your spouse or a close friend about money, you can talk to a trained credit counselor who specializes in personal finances. When you talk to an expert, you find out new information that could guide you. Some people simply need the tools so they can manage their finances better. Your credit counselor doesn’t think less of you for getting help. In fact, it is admirable to make a choice to get out of debt.

                    At Christian Credit Counselors, we provide credit counseling to help our clients avoid bankruptcy and scams. We help many people get 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.

                      Full Name (required)

                      Email (required)

                      Are you a current client of Christian Credit Counselors? (required)

                      Type the code below in the text box. (required)
                      captcha


                      CCCc2abutton

                      ​Read More