Christian Debt Relief

As Christians, the Bible is our “life guide” – offering advice and instruction on everything from how we treat others to how we should try to live our lives.

But did you know that the Bible contains over 2,000 scriptures that expressly cover how we should deal with and manage money?

Today I’d like to take a look at a specific verse – Romans 13:8 which says; “Owe nothing to anyone except to love one another; for he who loves his neighbor has fulfilled the law.”

I find the first part of that scripture – “Owe nothing to anyone.” – particularly important.

Why? Because when we accumulate excessive debt, our focus tends to turn away from God and toward money and ourselves.

We start to think less about God and less about how we can become the men and women he desires us to be and more about how we can acquire more money.

If not careful, we can become obsessed with money to the point where it interferes with our personal relationships, our work performance and even our level of happiness.

Our lives may become filled with stress and a general sense of failure. We may lose sight of God and begin to feel all alone in the world.

That’s why it’s important to strive to “Owe nothing to anyone except to love one another; for he who loves his neighbor has fulfilled the law.”

So if you have accumulated excessive debt, perhaps it’s time to get out from under its heavy weight and begin to regain your life and your focus on God.

Take the first step. Speak with a Christian Debt Advisor and learn about the debt relief options that are available to you.

Remember…you can be debt free. You can have a happier and more relaxed life.

Finally…the hard work is done.

You’ve reviewed your debt relief options (including debt consolidation, credit counseling and bankruptcy) and have determined that debt settlement is the right choice for you.

Perhaps it was because you could get started for free. Or maybe you liked how quickly debt settlement could help you reduce your debt. In any event, it’s great to have the decision made.

Now what?

Well, you want to be sure to choose a debt settlement company that is right for your personal situation. Here are 7 quick tips for choosing a reputable debt settlement company.

1. Make sure you select a company that follows FTC regulations. Unfortunately, there are some unscrupulous companies out there. The FTC recently stepped in to help protect consumers. You can also protect yourself by choosing an FTC-compliant company.
2. Don’t pay any upfront fees. In fact, there should be no fees until your debt is reduced. FaithWorks Financial believes that you should ‘Get results first…pay fees later’. You’ll want to choose a company that has a similar philosophy.
3. Avoid debt settlement companies that don’t offer a free consultation. The consultation will give you a window into how the company works and help you gauge how responsive their debt advisors are. You deserve to work with experts who will quickly respond to your questions and who put your wants and needs at the top of their priority list.
4. During the free consultation make sure you ask the debt advisor if he or she is the person you will be working with throughout the debt settlement process. Many companies have sales teams that close the sale, leaving you to work with someone else for the duration of the program. At FaithWorks Financial we believe in developing a long-term partnership with our members. That is why we try to limit your communications to no more than two of our Advisors. You’re treated as an individual, not an account number. Your Christian Debt Advisor will take the time to learn about your unique circumstances and be with you through the entire process. This personalized approach can help you reduce your credit card debt even more and save you as much money as possible.
5. Get as much upfront information as possible on how long the debt settlement process will take and how much it will cost. FTC guidelines require that these details be communicated to you…so don’t let a company beat around the bush!
6. Make sure your funds are held at a third-party financial institution in an FDIC-insured escrow account. Avoid companies that ask you to send funds directly to them. It’s your money. You should have complete access and be able to make withdrawals at any time.
7. Consider a Christian Company. Faith-based companies often take a more ethical approach to business and may be more likely to look out for your best interests.

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