Knowing that free Christian debt counseling is available when you are in deep financial trouble, can be reassuring. And yet it may not be enough to provide you real debt relief.
There are tons of Christian debt counseling services whose help can range from helping you completely restructure your debt, to reducing your interest rates or even eliminating all of your late fees and becoming debt free.
Here’s where it get’s tricky.
With all of the Christian debt consolidation options you have, how can you guarantee that the Christian financial counseling service you are selecting has strong relationships with your credit card companies and actually know what they are doing so that they can help you negotiate a smart payment plan that puts you back on the road to financial health?
- Why does this matter? Some companies will take their “service fee” out of you first payment to them. When they do this, you will become automatically 1 month behind with all of your creditors.
One way is to make sure you know the answers to the following 3 essential questions you must ask the Christian debt counseling company you are considering.
#1 Do this Christian credit counseling program “front-load” their entire fee into your first payment to them?
#2 Are they a member of the Independent Consumer Credit Counseling Agencies (AICCCA)?
- Why does this matter? This is a national organization dedicated to honesty and integrity in debt counseling services both online and off.
#3 Is your money problem about more than debt management? Is there anger, stress, anxiety or depression to go along with the bills?
- Why you should care. Learning how to deal with the stress of credit card debt and all the problems that go along with too much financial strain may require professional help. Good debt counselors should be able to help you uncover the roots of your credit debt problems.
That’s not an exhaustive list of things you should know, but it will get you started in the right debt settlement direction.
Your goal should be to find a Christian debt counseling service that will help you more than they are out to help themselves. Doesn’t that sound like God’s plan of helping one another?
Knowing these three essentials about Christian debt counseling will help you weed out the ones just looking to scam you out of a quick buck.
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