Christian Credit Counseling – 10 Warning Signs That You Need Professional Help…
Professional christian credit counseling may offer you exactly the education that you need to pull yourself out of the financial tailspin that you find yourself in month after month.
But how do you know when your situation requires a professional consumer counselor to help you with your credit card debt?
Here are 10 warning signs that you may need to get help from the Christian debt counseling services that are available to you.
#1 You are spending too much each month trying to keep up with your bills. In general, if you are spending more than 20% (excluding your housing costs) of your take home pay… it is time to find a credit counselor to get things back into balance.
#2 You are behind more than one month on your mortgage or rent payment.
#3 You can’t even pay the minimum payments each month. This was when I knew I was too deep. That first month that I didn’t have enough money to “move around” from one card to the other.
#4 Your electric, water or other utilities have been shut off.
#5 You and your partner are fighting over money. Normal disagreements happen in all long term relationships, but if the fighting continues month after month, it might be time to get professional help.
#6 A collection agency has turned your case over to the courts.
#7 Your car has been repossessed. When they take your car that doesn’t eliminate your need to pay. Once they sell your car at auction, they come after you from the balance.
#8 You’ve been turned down for credit. If the guys whose job it is to make loans turn you down, there is a problem. You should get help to find relief.
#9 You have bounced checks. This could be a simple to correct problem like learning to balance your account. But it also could be a more serious problem that requires a credit counseling agency.
#10 You start to get those dreaded calls from several creditors. Being behind on one bill is relatively manageable, but the problem grows exponentially the more collectors who are demanding money.
So, if you are under the weight of any of these challenges, one simple and free credit counseling session is all that stands between you and the debt relief you deserve.
As the Bible says, when you don’t know how to do something… get help from those who do (Chad’s paraphrase of Proverbs 19:20 or 11:14).
So what is holding you back from getting the help you need?
Chad