Christian debt consolidation: Reduce rates and get relief from stress

[Discussion]

Christian debt relief or Christian debt consolidation is all about helping you to pay off debts and putting your financial life in order using the biblical principles of honesty, honor and financial responsibility. This article starts off with information on Christian debt consolidation and takes you through other Christian debt relief options as well.

Is Christian debt consolidation different from others?

Christian debt consolidation works in a similar way as any other debt or bill consolidation program. However, Christian debt consolidation programs are specifically based on the biblical principle that one man cannot serve 2 masters.

When a person is in debt, he remains under the authority of 2 masters - God and the money he owes. By freeing himself from the bondage of debt, man can devote his time to the service of God. Here lies the need to pay off your dues faster and lead a debt free Christian life.

How do you benefit from Christian debt consolidation?

Christian debt consolidation services make it clear that as a debtor, you should honor your payment of bills and dues. The aim of Christian consolidation is not only to help you reduce your financial burden but also to show you the way to live within your means. This is to ensure that you don't fall into the debt trap again.

With Christian consolidation program, you get the following benefits:

Reduced rates of interest in negotiation with creditors.
Affordable plan to pay off dues in few years' time.
Multiple bills replaced by single monthly payment.
Well-planned budget so that you can save more and pay off bills.

For further details, check out the 8 benefits of debt consolidation.

How does Christian debt consolidation work?

Christian consolidation services are offered by consolidation companies or non-profit organizations. These companies believe in resolving financial issues using the biblical principles of honesty and commitment towards financial obligation. To start off, the consolidation company will offer you a free Christian debt counseling session. A brief idea of what happens in Christian counseling (debt relief counseling) is explained below.

Christian counseling: Debt relief companies (such as Christian consolidation services) provide Christian debt counseling wherein Christian debt consultants evaluate your financial situation. The purpose of Christian debt counseling is to help you decide whether to go for consolidation or debt settlement. For a believer in Christianity, Christian debt counseling is the way to fulfilling his dream of becoming a debt free Christian. Thus, Christian debt counseling empowers you to decide which Christian debt relief option can help you regain control of your finances and bring peace and harmony to your life.

If you choose consolidation as your Christian debt relief option, the Christian debt consultants will negotiate with creditors/collection agency and work out a repayment plan on your behalf. For more details on how Christian consolidation works, take a look at the information on debt consolidation program.

Instead of the consolidation program, you can take out Christian debt consolidation loans. But you need to think whether you're comfortable with an extended loan term and high loan costs.

What are the other Christian debt relief options?

Other than Christian debt consolidation and settlement, you can opt for Christian debt management services that help you to manage your bills and pay them off comfortably. A brief idea about Christian debt management services is given below.

Christian debt management services: This type of service is similar to that of a debt management program which help you merge several bills into a single monthly payment. Christian debt management services involve Christian debt consultants co-coordinating with your creditors/collection agency to lower your bill payments and eliminate extra charges. The basic principle of Christian debt management services is to show you the way to financial freedom by helping you live within your budget.

Whether you're willing to be a debt free Christian or you're a non-Christian, you should honor your commitment and try to fulfill your financial obligations. Until and unless you're able to pay off your bills completely, your life becomes a bondage to debt. Christian debt relief or Christian debt consolidation services help you stay away from debt so that you can conform to the Christian way of life.

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Posted: Fri Apr 04, 2008 11:54 am Post subject: Christian Debt Consolidation: Reduce interest rates and paym

christian debt consolidation 2201 N.W. Corporate Blvd., STE 202 boca raton, florida. are they a rip off? ever heard of them.

dayfam

Joined: 04 Apr 2008
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Posted: Sat Apr 05, 2008 8:58 am Post subject: debt free christian

I get a lot of spam emails from them and other christian debt companies. Most of them all have high complaint records with BBB and they seem pretty shady to me. If your looking for good debt cons. advice than look right before you. This site offers a free debt consultaion. I would advise using their free service before deciding to pay another company who might take your money and run.

smckaybiz

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Posted: Mon Apr 07, 2008 10:12 am Post subject: christian debt consolidation 2201 N.W.

I have gotten spam from them as well. I would just google them as well as look them up on the BBB website. I am dealing with one now out of Florida and so far so good..haven't signed up yet, but they seem reasonable to me..they are Cornerstone Financial Counsolers. no complaints on the bbb and have a A+ rating. I even search for them on this website and nothing came up either.

purplegirl69

Joined: 26 Feb 2008
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Posted: Mon Apr 07, 2008 10:42 am Post subject:

I find it apalling that companies use the title "Christian" too gain the trust of people before ripping them off or sending them somewhere too get ripped off. There is a Chritian Payday Loan out there who matches borrowers with who ever they can regardless of the comanies legality and reputation. But when I think of that TV guy asking for 1000.00 vows that will be returned ten fold nothing surprises me. I would not want to stand near one of these people in a lightning storm.

frogpatch
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Posted: Mon Aug 25, 2008 1:25 am Post subject: Need a loan

Hi, We are christian family,we need loan of 45 thousand USD , please help us to find some way. Personal info removed by Shazzers for your protection. Thanks & Regards Gulia

gulia_gulnara

Joined: 25 Aug 2008
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Posted: Wed Sep 17, 2008 12:36 pm Post subject: Debt Consolidation

I too need some financial help but every debt consolidator I have spoken to fails to mention about the IRS potential tax liability you have after signing up and they set up. The settled amount s then reported to the IRS as income you gained and you have to pay taxes on it Not only that, after the payoff it is reported to the credit bureaus you settled for less. So it's not as good as they say.

Helper
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Posted: Thu Sep 18, 2008 12:37 pm Post subject: christian credit counseling

I am deaf and best way to reach me is through relay operator 1 800 828 1140 and give operator my nbr xxxxx Phone number removed for your safety..Bossy4455

42cindy
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Posted: Tue Sep 23, 2008 5:00 am Post subject: christian debt consolidation loans

hi, over the past few years i have built up abou 10k in credit card debt, would your organization be able to consolidate that amount for me, im not looking to keep my existing credit cards open but every other place i have gone to looks at my debt to income ratio and dosent believe that i would close out those other accounts, do u pay the credit card companies to insure i dont leave other debt open?

ikester12
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Posted: Thu Sep 25, 2008 3:12 am Post subject: debt consolidation

if you help us is it in the form of a loan or do you just work with the credit card companies to get us a lower rate

sj9
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Posted: Thu Sep 25, 2008 10:35 am Post subject:

This thread is getting way off track. This is a forum to discuss debt solutions. We are not a lender nor does this site endorse any lender who posted above. Get it? You can't borrow money here. Please contact a legitimate lending institution. If this continues I will lock this thread. I do not want to sound heartless but this is not the place to come for a loan. _________________ Join the Greatest Pre Launch for Free and Get Positioned! This is BIG! http://tinyurl.com/slfsys If you like yard sales visit my blog www.myfrogpatch.blogspot.com Follow me on Twitter www.twitter.com/frogpatch

frogpatch
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Posted: Sun Sep 28, 2008 6:08 pm Post subject: christian debt consolidation services

I have joined a company that I heard about on Christian radio, and they would often refer to Biblical quotes, giving me the impression they were indeed a Godly organization. My situation is this, I signed up with this company, and they have indeed helped reduce my debt, but what they mislead me about was that they were not a company that paid my debtors as I was paying them. Midstream in the program, I had asked the question, "How much of what I'm paying to you is going to my collectors?" Their reply was none!!! Then as I continued in the program listening to them convince me that I'm almost done, just a little longer and I'll be into the next phase ... well I am in a situation that now that the debts are reduced, I have spent all my monies paying them, and now have not the monies to pay the ones that matter ... My DEBTORS !!! Am seriously considering bankruptcy, as I cannot afford any more mistakes as HUGE as the one I already made. Have you any suggestions? _________________ Register today to cash in debtcc points.

Simply Frustrated
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Posted: Tue Sep 30, 2008 7:19 am Post subject: Mortgage Christian Debt Relief

Can a mortgage be included into debt consolidation - even if the mortgage is upside down?

btm
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Debtcc Points: 100

Posted: Tue Sep 30, 2008 7:40 pm Post subject: Christian Debt Consolidation

Most of you have this all wrong. I've been in this industry for several years now and yes there are terrible companies out there, but theres also alot of great ones. The particular company I work for for offers both debt consolidation and debt settlement. I constantly hear, what will this do to my credit.This is coming from people who have a low credit score and have missed a few payments as well as people who have a 700 or so credit score. Let me break it down for you. If you have a 700 credit score, but you can only afford to make minimum payments and 95 % are only making minimums are over extended and their debt to income ratio is upside down. Which means they have NO CREDIT. They can't afford to pay back anymore loans or credit cards and there is no credit to extend. Sure your credit score is good, so what your credit is done. Bottom line if your making minimum payments on a debt of $10,000 or more options do you have Example of a client I spoke with today: He had a debt load of approx $32,000 On his own he's paying $865 and it will take about 18 yrs Consolidation would be $806 for just over 4 years You do the math............... He had to think about it

Bobby G
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Posted: Wed Oct 01, 2008 6:48 am Post subject: christian

I have recently returned to the Lord and need assistance with tax, credit card and personal debt consolidation. Is there an office in the Greenville, Clemson, Anderson, SC area?

glenellwood
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Debtcc Points: 100

Posted: Fri Oct 10, 2008 5:43 pm Post subject: christian debt consolidation

I have 4 credit cards totally around $6000 that I would like to consolidate. Is this something you could help me with? Thanks!

rebecca j jordan
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Posted: Sat Oct 11, 2008 6:10 am Post subject: Christian Debt Relief

Rebecca, Please register with the site. SOmeone will contact you to discuss your situation. _________________ Register today to cash in debtcc points.