Debt settlement is the process of eliminating your unsecured debt (credit cards, department store cards, cell phone bills, medical bills, etc.) by negotiating with your creditors. Through our Christian debt settlement program you can reduce your outstanding debt and become debt free in as little as 24 months. We believe being free of the burden of debt will allow you to better enjoy your life and your family and will allow you to build a closer relationship with God.

Unlike some options that focus on extending your repayment period or reducing your interest rate, Christian debt settlement focuses on eliminating your debt and making you debt free. The debt settlement process is also fast. It can be completed in as little as 24 months while some other options can take up to seven years or longer. Another benefit is that there are no fees until your debt is reduced. For a complete summary of your options please visit the Your Options page.

Every situation is unique, but many members reduce their monthly payment immediately while also reducing their total debt significantly. You can get a free, no-obligation quote by filling out this short form.

Some members become debt free in as little as 12 months, but most are debt free in 24-48 months. Our experienced Christian Debt Advisors will provide you with specific details on your monthly payment and total time to be debt free… all at no charge or obligation. Simply complete this short form to get started.

It’s easy to find out. Just complete this short form and one of our friendly Christian Debt Advisors will contact you to provide a free no-obligation quote and answer your questions. We’ll help you determine a comfortable monthly budget that will work for you regardless of your current financial situation. Our goal is to help you make decisions that will enable you and your family to regain financial control and devote more time to God.

All unsecured debt can be included in the Christian debt settlement program. This includes major credit cards, department store cards, gas cards, medical & hospital bills, cell phone bills and unsecured personal loans. Please note that secured loans (such as mortgages, home equity loans, car loans or anything where you provided collateral to take out the loan) cannot be included in the program.

Yes. FaithWorks Financial is a Christian owned and operated company. As Christians, we realize that nobody who is financially bound can truly be spiritually free. When you have excessive debt your focus often turns away from God and onto money and self. If you are not careful you can become “enslaved” to your debt. You can lose your self-esteem and integrity and the stress of the debt can interfere with your relationships. Because our Christian debt relief program is based on Christian principles it allows you to eliminate your debt with integrity and return your focus to God and family.

Yes, we follow all FTC regulations.

In most situations, getting a consolidation loan is not a good idea. In fact, statistics show that 70 percent of Americans who take out a consolidation loan end up with the same (or higher) debt load within two years. In other words, by taking on a consolidation loan and yet another creditor, you’re just adding fuel to the fire. In addition, unsecured consolidation loans often carry very high interest rates because of their high risk. Secured consolidation loans may offer lower rates but often require much longer payment terms, which results in even greater repayment expense. Also, secured consolidation loans, such as mortgages, can put your house or other assets at risk in the event of an unforeseen financial hardship. Our Christian debt relief program allows you to simply accelerate the repayment of your existing debts. For a quick overview of the differences between our Christian debt settlement program and debt consolidation, please visit the Your Options page.

One only has to turn to Psalm 37:21 – “The wicked borrow and do not repay…” to get God’s feeling on bankruptcy. Plus, bankruptcy will negatively affect your credit for up to 10 years. Plus there are also attorneys’ fees, court costs and filing fees that come with declaring bankruptcy. We believe that our Christian debt relief program is a much better solution in that it allows you to eliminate your debt and regain control of your finances without violating your Christian principles.

While credit counseling does work for some people, it often results in high monthly payments that many people can’t afford. In addition, credit counseling doesn’t offer a reduction in debt… you end up paying back the entire amount. Debt settlement offers both short-term and long-term debt relief by lowering your monthly payments and your total debt.

No. Our Christian debt settlement program is built around reducing your debt, not taking out additional loans.

No. You have complete control over what debt you’d like to include in the program. One of our Christian Debt Advisors will help you make a wise decision. And, you can always add additional credit cards or unsecured debt into the program later if you need to. To receive a free, no-obligation quote and consultation simply complete this short form.

Yes! According to FTC regulations, your money will be held in an FDIC-insured trust account. We’ve partnered with an industry leader that will offer you safety, security and constant access to your funds.

For your convenience, the funds are automatically transferred from your bank account into your trust account each month. You have complete control of the account and can withdraw funds at any time.

Yes. At FaithWorks Financial we are committed to protecting your privacy according to a comprehensive privacy policy.

Even the most careful stewards of their money run into financial trouble. Instead of walking away from your obligations and declaring bankruptcy you’re taking an honorable approach by doing everything you can to repay as much of the debt as possible. And remember, the creditors ultimately decide whether or not to accept the offer. They wouldn’t do it if it wasn’t in their best interest.

No, debt settlement actually benefits creditors in three ways – they avoid a total loss that would result from bankruptcy being declared, they save on the cost of collections and they receive tax benefits based on the final settlement amount.

Your monthly payment can be reduced immediately upon entering the program. This provides you with immediate financial relief and more money in your pocket for everyday expenses like food, housing, medicines and more. By the time you complete the program, your total debt can also be reduced significantly. Best of all, you won’t pay any fees until your debt is reduced. Click here to receive a free no-obligation consultation and quote.

Absolutely. You can always send in additional funds with your monthly payment and there is never a penalty for early repayment. This enables you to get out of debt faster.

As long as you have over $5,000 in unsecured debt and a desire to get your finances under control you are qualified. There is no application fee and no credit check is required. To find out how much you can save and how quickly you can be debt free, simply complete this short form for a free, no-obligation quote.

We offer highly personalized customer service and dedicated Christian Debt Advisors who will carefully analyze your situation and develop a customized program based on your financial dreams and goals. Our proven method can help you become debt free in as little as 24 months. Best of all, you can reduce your debt first and pay fees later. It’s free to get started and you pay no fees until your debt is reduced. To learn more about FaithWorks Financial, please visit the About Us page.

Just complete the short form on the right, send us an email or call 561-232-3760. One of our friendly Christian Debt Advisors will answer your questions, explain your options and customize a debt relief program that will fit your financial circumstances. There is no obligation or cost for the consultation and quote provided to you.