Christian credit counselors and debt relief from Christians

Christian credit counseling agencies and counselors.

Financial Counseling and Credit Help

Find Christian credit counselors and agencies that provide debt relief, consolidation services and free financial advice. Low-income families, regardless of their faith, will get help.

The agencies arrange free credit repair or help people get out of debt and offer enrollment into money management plans and other support. Get help from a free Christian based credit counseling agency that is either near you or available online.

Free Vehicle Programs

Depending on the borrower’s income, the Christian counselors are free or affordable. They help individuals rebuild their credit, enter into debt management programs and get relief with credit card or medical debt as well as car loan payment assistance.

Many of the agencies, such as Christian Credit Counselors, Trinity Debt Management, Crown Financial Ministries or Family Life Credit Service are non-profit organizations. Benefits of Christian Credit counselors: For many, the "personal" part of the personal financial term is critical. This is another reason why Christian and faith based debt relief or credit counseling is so effective – as there is an extra layer of privacy and non-judgmental help.

As the fact is that generally, people (especially struggling or low income families) do not like to share their financial problems with others, and the services from a Christian Credit counseling organization are 100% confidential. There are times when laying out your income, spending and debts become critical, particularly when you are on the verge of losing control of your finances.

Millions of people, including Christians and Catholics, have too much credit card or medical debt. In these situations, people often turn to credit counselors to seek solutions for eliminating debt short of bankruptcy. Some people even turn to other ways to get money to help them, even including Christian Crowdfunding platforms For people of faith (whether Christian, Muslim, or another religion), the anxiety that results from dealing with mounting medical, credit card or auto payment debt can become magnified by their belief.

Many people have a desire to follow religious teachings that either warn against acquiring debt or that direct that all bills be paid in full. Those whose faith, or Christianity is a core ingredient of who they are and how they conduct their affairs will naturally want to work with people, whether Christian credit counselors or counselors of another faith, who understand and appreciate their religious beliefs, particularly on issues as personal as debt and spending habits.

Financial Counseling and Credit Help

Debt relief and credit repair from Christian Credit Counseling agencies: Faith-based as well as: Christian credit counselors provide free financial guidance with a specific religious foundation. Whether it is repairing credit, debt management plans (DMP) with Christian values or other help, the agencies assist.

Christian credit counseling also help people with a mortgage or car loan, including refinancing and other support. Debt relief and consolidation is a major focus of the agencies. Or look here for more details on car note payment assistance

Financial Counseling and Credit Help

There is a large as well as growing number of faith-based credit counseling agencies that employ Christian principles regarding debt and repayment. In many regards, the debt management services offered by Christian counselors do not differ from secular agencies. The differences are largely seen in the financial education, mentoring, pricing and counseling these agencies provide.

For example, Christian credit counselors may talk about stewardship, contentment, giving, and trust — integrating biblical principles with credit repair or debt strategies. The core services often mirror secular credit counseling (such as debt management plans, consolidation, creditor negotiation), but with added spiritual support.

In some cases, the website as well as assistance provided by a Christian-based counseling agency looks no different than that of a secular business. Based on a cursory view of a website, it can sometimes be difficult to determine why an agency advertises itself as faith-based. You may need to look closely.

But in almost all instances, a true Christian debt relief agency may include a "Statement of Faith" on its website. Or they focus on the poor and disadvantaged in a community. In most cases, the debt relief efforts offered by Christian and secular agencies are similar. Clients meet with a Christian counselor (often for free) to review income, debt, investment accounts, credit card bills, monthly budgets and spending habits.

It can be done in person, online, or over the phone. There is a detailed, comprehensive review of your entire financial situation, including income and career skills. Based on these meeting(s), the counselor creates a debt management program or settlement plan by consolidating your unsecured debt.

This will be a car loan, mortgage, credit card bills, medical expenses and others. The Christian or faith based group will work with creditors to reduce interest rates and eliminate late fees. You make a monthly payment to the counseling agency, and it distributes funds to creditors involved in the plan.

Debt management plans typically require 3-5 years to complete. Because Christian teachings encourage full repayment of all creditors, a faith-based counselor may focus on a debt management plan or hardship program.

This is a form of negotiated repayment. This is the preference rather than a debt settlement plan. Credit card hardship programs are offered by most lenders to lower-income customers, and learn more on credit card financial hardship Settlement plans involve paying only a percentage of the underlying debt while management plans are designed to pay the full underlying financial obligation after reducing interest and eliminating fees.

A Christian counselor may be more sensitive to the importance of that difference. They also offer help with credit card bills that are due Counseling, budgeting advice, credit repair services and free education are often provided by Christian agencies as well.

Counselors typically offer guidance on how to improve finances, reduce expenses and avoid accumulating more debt. The focus in particular is on the low income. Free classes may be available to help learn about budgeting, home purchase decisions and lifestyle changes that can reduce reliance on credit and help people say money.

Christian credit counselors also help clients save cash and rebuild their credit, or learn more on best way to save money Find a Christian Credit Counselor or agency:

Free Vehicle Programs

The steps taken to select a faith-based credit counseling agency near should be similar to how a secular business is chosen. There can be significant differences between free Christian or any other religious/faith based debt counseling organizations. Care should be taken to ensure that the use of the word "Christian" in an organization's name reflects a company's true philosophy and is not just an advertising ploy to attract business.

Christian credit counseling is available both online and in-person. Many of the agencies provide free initial phone consultations, with follow up points done online, email or through video chat. In general the goal is to provide as many forms of communication as well. There are steps to take . Do your homework.

Read user reviews on the organization's website. Be sure the agency is certified by either The National Foundation for Credit Counseling or the Financial Accounting Association of America. Ensure they offer free services to the poor or low income, or that the costs/fees are clearly documented and affordable.

Both require agency counselors to meet a standard level of quality. During your first meeting with a counselor ask questions about the role that faith plays in the services and counseling provided. That being said, some of the main national and local Christan Credit counseling agencies include the following .

They combine free or low cost assistance programs as well as standard fees, based on the client’s income. The best options are below. However there are other faith based, non-profit organizations listed below, and for additional location or information on certification the federal government overseas the process with more details here.

https://www.justice.gov/ust/list-credit-counseling-agencies-approved-pursuant-11-usc-111 Christian Credit Counselors. Customer service telephone (800) 557-1985. Family Life Credit Services - Dial 877-322-8319: Trinity Debt Management Credit Counseling - Phone (800) 793-9049. Crown Financial Ministries offers debt management, budgeting and other support.

Dial 800-722-1976. Faith Works Financial helps those of Christian faith with their debts, and the number is 888-670-5760. Jewish Federation Family and Children's Services has local financial assistance programs and credit counseling.

Find programs from Jewish Federation The difference in Christian faith-based credit counseling: The most significant differences in Christian-based agencies are typically seen in free personal counseling, mentoring, workshops and education .

There are many workshops on steps to take to save money . The language used and the philosophy directed toward debt relief will be somewhat different. Counseling sessions and educational materials focus more heavily on biblical principles of debt repayment. Christian, Muslim and Jewish faiths comprise the three largest religious groups in the U.S., and all share some common financial beliefs.

Generally, all encourage responsible decision-making, repaying debt