All posts by: Josh

About Josh

Josh Richner is the founder of FaithWorks Financial and regular contributor to the FaithWorks Blog. Josh is a Christian, a husband and a father with an unremitting passion for personal and professional growth.

Are you receiving calls from a collection agency or confusing notices about a debt you don’t recognize? Under federal law, you have the right to demand proof before making any payments. This guide empowers you to use a debt validation letter—a powerful legal tool—to protect your rights, challenge inaccuracies, and stop collection efforts until you […]

Debt settlement can be a useful tool for getting out of financial hardship, but not all debt relief options are created equal. Many companies push settlement programs even when they’re not appropriate, leaving people worse off than when they started. Others charge hefty fees that may feel disproportionate to the value received—especially when you realize […]

When creditors are calling and debt is mounting, knowing how debt settlement works might open up a path to regain control. Consider this scenario: You’ve fallen behind on multiple debts—credit card bills, personal loans, medical expenses, and don’t forget the taxes. Every creditor is demanding payment, and the pressure is overwhelming. Each collector wants to […]

When Jesus taught us to pray, “Forgive us our debts, as we also have forgiven our debtors” in the Lord’s Prayer, what did He mean? Some translations use the word trespasses, while others say sins. Yet, the word debts—used in Matthew 6:12 of the King James Version—is intentional. It carrys both a financial and spiritual […]

You check your credit report, and there it is—that charge-off the collector threatened. Your first instinct? Pay it off as soon as possible to make it disappear. But hold on. Pump the brakes. The truth is, there are several reasons why you should never pay a charge off hastily. While paying a charge-off might seem […]

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