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 receive the documentation you’re entitled to.

“God is not a God of disorder but of peace.” (1 Corinthians 14:33, NIV)

When it comes to debt, order and truth matter.

Estimated reading time: 8 minutes

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 meaning, illustrating how our Heavenly Father calls us to experience both debt forgiveness and spiritual forgiveness.

Christian money management isn’t just about balancing a budget; it’s about aligning our finances with God’s will. From the Old Testament’s seventh-year debt release to Jesus’ teachings on generosity and forgiveness, the Bible isn’t quiet on the topic of managing money in a way that honors God.

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 like the responsible thing to do, it’s not always the best move.

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“No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money.”

Matthew 6:24

When left unchecked, credit card spending can quickly get out of hand.

The burden of debt is a heavy one! There is no doubt that it causes stress on our finances. When we think about it though, it also becomes an obstacle in our relationship with Christ. When we are constantly thinking about our debt, it becomes a master. We know from the book of Matthew that we cannot serve two masters.

As Christian, it is our duty to be sensible when handling money. Debt limits our relationship with Christ, so we must create a plan to deal with our debt. In doing so we take care of our finances, but also keep our relationship with Christ strong and healthy.

In a Christian debt relief plan, we must take care of our spiritual bank account as well. We should be prayerful and have faith in the Lord to help us through this difficult time. The Bible tells us that “The steps of a good man are ordered by the LORD,” so we can trust him for salvation from debt (Psalm 37:23).

Seeking Christian Debt Relief When Debt Limits Our Relationship With Christ

Faith is an important part of a Christian’s life. We should never fall into the trap of believing that money will solve everything. It won’t! When debt becomes too heavy to bear, our Christian debt relief services can help you explore ways to resolve your debt affordably. More importantly, we’ll ensure that the approach is in line with your spiritual principles as well.

As Christian debt relief professionals, we are able to help you with the financial aspect of your debt situation. That said, the ultimate goal and our mission is to bring you into a closer relationship with God. Our Christian Debt settlement program is built on biblical principles and will give you the peace of mind you need to get out of debt.

For Christian Debt Settlement Services contact our Christian debt relief experts by using the form on the side of this page.

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For God is not a God of disorder but of peace—as in all the congregations of the Lord’s people.”

I Corinthians 14:33

Taking an orderly and systematic approach to debt reduction is reminiscent of this passage.

This simple, orderly approach is why we are a fan of the debt snowball method. The debt snowball approach makes sense. It saves you money in the long run and reduces your debt in an orderly fashion. Here are three tried and true methods to improve your financial situation and get out of debt faster.

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We talk a lot around here about how to get out of debt, and if you’re working towards financial freedom, keep it up!

But, don’t forget to dream.

The road to financial peace can be a long and difficult one, and it’s important to have a vision for the future so you don’t get discouraged and burned out along the way. With that in mind, take a minute to think about exactly what you’ll do once you’re finally debt free. And check out some of these ideas for inspiration. We have a mix of the fun and the practical, so there should be something for everyone.

Keep busting that debt, and keep dreaming!
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Financial Automation To Reach Your Goals

Automation. It is really quite the buzz word these days. It seems it will either eliminate jobs or be the key to our next phase of economic success. That of course is not the focus of our conversation today.

Automation here means creating rituals that lead you directly toward your financial goals.

A little effort today will help enrich your tomorrow without adding the stress that comes with financial planning. It starts with you picking targets and finding a way to reinforce them mechanically.

Done correctly, you will barely notice the change.

No matter what stage of financial health you find yourself in, setting goals is part of the healing process. Jeremiah 29:11 says, “For I know the plans I have for you, declares the Lord, plans to prosper you and not to harm you, plans to give you hope and a future”; Finding automatic ways to support your financial life takes you one step closer to God’s plan.

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