Christian Credit Counselors
Christian Credit Counselors, Credit, Credit Cards, Credit Counseling, Debit & Your Credit Score, Debt, Debt Consolidation, Money Management, Uncategorized

Debt Counseling Firms – Signs to Look For

Drowning in Debt

When you are drowning in debt and can’t seem to make a dent, it may feel as if there is no answer. Many individuals want to avoid filing for bankruptcy if possible because of the long-term negative effects. However, few know about the alternatives that are available. Debt counseling can help you get back on track financially, as long as you choose the right firm.

A Non-Profit Organization

There are many for-profit companies that claim to help you get out of debt more quickly. However, these businesses are looking to make money themselves. This means they aren’t likely to find you the lowest interest rates and may even turn debtors away because they don’t think it is worth the effort. A non-profit organization is typically only involved to help people. Money isn’t a factor.

Accessibility

Debt counseling isn’t something that can often be completed in one session. You may need to talk to a representative multiple times to complete the tasks. Because of this fact, it is essential to choose a firm that can be accessed through email or phone for the best response times. Look for a company that offers extended hours and a toll-free number to make communication easier.

Experience and Qualifications

Debt consolidation is a sensitive matter. You need to be certain you are working with a firm that can give you the results you are looking for. As you evaluate each firm, check into the amount of experience they have, how many creditors they work with and what qualifications their counselors must go through. This will ensure you make the right choice to eliminate your debt more quickly.

If you are interested in debt counseling, it is time to learn what to look for. When you understand what a good firm will offer, you can increase the chances of making the right choice and decrease your risks of getting scammed. After all, the end goal is to eliminate your debt, not find yourself in deeper financial problems.

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    Credit Counselors – Easing Debt Worries

    Seeking Credit Counseling

    As the recent financial crisis slowly abates, many families are left in desperate need of the assistance of credit counseling. Many families today have discovered themselves upside down in their mortgages, owing huge amounts to creditors, and with barely enough budget left over to finish out the month let alone enough to save for the cliched rainy day.

    Fortunately, credit counselors can offer many solutions to those currently drowning in debt. Choosing the right credit counselor is imperative, but the task becomes quite easy with the help of a few simple guidelines.

    Researching Credit Counseling Services

    First, research credit counseling services with organizations that you already trust. Many universities, military bases, credit unions, and housing authorities offer low-cost debt counseling. Your family and friends might also be able to offer up names of credit counselors that have been helpful to them. Regardless of the source you use, finding a trustworthy, honest credit counselor can be the most important step that you take.

    Also, it is important to understand that fixing your credit is neither easy or quick. Credit agencies and businesses want assurance that your financial behavior is a lifestyle. This means that the pattern is built up over extended periods of time, not simply months.

    Credit Counseling Accreditation

    Whatever credit counseling program you choose, you should ascertain that they are accredited and in good standing with their business practices. Trade associations, such as the National Foundation for Credit Counseling (NFCC) and the Association of Independent Consumer Credit Counseling Agencies (AICCCA), monitor the dealings of credit counselors. Credit agencies should also be accredited by either the Council on Accreditation (COA) or the International Organization for Standardization (IOS). A Better Business Bureau reliability report of good standing is also an effective measure of a company’s business practices. It should be free from unresolved complaints.

    Gathering information from the firm itself is equally essential in making an informed choice. Seek out an agency that provides a wide range of services, such as budget advice and savings/credit classes. Uncover the qualifications of their counselors, how their employees are compensated, as well as the security of your information. All of these factors will have influence on the service that you receive from the agency.

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      Christian Credit Counseling: The Faith Difference

      Finances with Faith

      If you’re trying to regain control of your finances, you may be interested in the faith difference that Christian credit counseling offers. Our clients share our belief that financial growth is impossible without spiritual growth.

      Faith-based programs play an important role in our society and enjoy strong popular support. According to a Pew Research study, diverse service options (78%) and more caring and compassionate service providers (68%) are the two most important reasons why people favor such initiatives. You can find faith-based programs addressing all kinds of needs from job training to disaster response.

      Biblical Financial Principles

      With this in mind, it’s natural for people to select financial services that reflect their spiritual beliefs. As a Christian, you may want debt counseling that focuses on peace with God as well as with your creditors.

      Of course, there are many reputable financial advisers with sound professional qualifications and ethical practices. What makes our counseling distinct is our statement of faith. Our mission is to help you and your family become debt free and attain financial freedom in accordance with principles found in the Holy Bible.

      Credit Counseling Accreditations

      Rest assured our clients receive the industry-best customer support and satisfaction. Our certifications include an A+ rating from the BBB, as well as certifications by the Association of Credit Counseling Professionals, and the Council on Accreditation that sets standards for community-based behavioral health care and human service organizations.

      We provide all the usual benefits and more. You may be able to consolidate your credit card and unsecured debt into one payment, reduce your monthly payment, and stop creditor harassment. In addition, our Learning Center offers educational programs that will show you how to budget and create wealth so you and your family remain financially healthy. Most importantly, we rejoice and pray with you on your journey to become debt free.

      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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