Debt Relief Options

Home » Debt Relief Options

Know Your Debt Relief Options!

Family confident after finding debt relief options

Looking for debt relief options to manage your escalating credit card debt? Bring faith to your finances by working with the the best Christian debt consolidation companies we could find.

The FaithWorks Financial network offers a variety of Christian debt relief services to help you lower your payments, combine multiple debts into a single, manageable monthly payment, and more. Dedicated Christian financial counselors will work closely with you to create a personalized debt management strategy that aligns with your financial goals and Christian values.

Worried about the burden of minimum monthly payments? Christian credit card debt relief programs can help reduce your overall debt, freeing you from debt in a shorter time. And because we understand that everyone’s situation is different, our Christian debt relief services also offer options like debt settlement, bankruptcy, and credit counseling.

Supported by a team of compassionate credit counselors, we aim to empower you with the knowledge and tools you need to navigate your financial journey, whether that involves a personal loan or other means of consolidating your debt.

Why continue to struggle with credit card debt when the answer is a few clicks away? Call FaithWorks Financial today and let us connect you with the best Christian debt consolidation programs.

To get out of debt as fast as possible, you need to know your options.

We’ve outlined several of our most popular Christian debt relief options in the table below. While many people find that Debt Settlement offers the most benefits, some also consider Debt Consolidation, Credit Counseling and Bankruptcy.

To ensure you make the best decision for your situation, we urge you to fill out this short form and receive a free, no-obligation quote and consultation.

Our knowledgeable Christian Debt Advisors will help you determine a comfortable monthly payment and show you how you can reduce your debt and become debt free in as little as 24 months. Plus, many debt relief services allow you to get started for free and even pay no fees until your debt is reduced.

  1. Debt Settlement
    Reduce overall debt? Yes
    Time to become debt free? Usually under 5 years.
    Instantly reduce your monthly payment? Yes
    Easy to begin? Yes. No credit check. No waiting period. Approval in minutes. Get your free no-obligation quote!
    In-line with Chistian Principles?  In the right circumstances, yes. We’ll gladly speak with you about this if you have hesitations.
    Other important factors: Dedicated Christian Debt Advisor. No credit check. No upfront fees. One simple low monthly payment. Get started for free!
  2. Debt Consolidation
    Reduce overall debt? No. Entire debt plus interest and fees.
    Time to become debt free? Usually around 4-7 years.
    Instantly reduce your monthly payment? Maybe.
    Easy to begin? No.
    In-line with Chistian Principles?  Yes
    Other important factors: One monthly payment.
  3. Credit Counseling
    Reduce overall debt? No. Entire debt repaid plus some interst.
    Time to become debt free? Plans range from 3-6 years.
    Instantly reduce your monthly payment? Maybe.
    Easy to begin? Yes, easier than formal banking solutions.
    In-line with Chistian Principles?  Yes.
    Other important factors: Companies are often compensated by both creditors and debtors, reducing cost for debtors. Budget assistance is provided.
  4. Home Equity Line of Credit or Second Mortgage
    Reduce overall debt? Yes
    Time to become debt free? Expect 2-3 months to close on a loan.
    Instantly reduce your monthly payment? Yes
    Easy to begin? No. Expect credit and appraisal requirements, a waiting period and lot’s of paperwork.
    In-line with Chistian Principles?  Yes
    Other important factors:
    		 Using your home as a solution for trouble debt can be risky because it turns unsecured debt into secured debt. 
  5. Do Nothing
    Reduce overall debt? No. Debt will continue to grow because of interest and fees.
    Time to become debt free? No. If you don’t make minimum payments, you may never be debt free. 
    Instantly reduce your monthly payment? No.
    Easy to begin? N/A
    In-line with Chistian Principles?  As long as payments are made, yes.
    Other important factors: Proverbs 13:4 The soul of the sluggard craves and gets nothing, while the soul of the diligent is richly supplied.
  6. Chapter 7 Bankruptcy
    Reduce overall debt? Yes.
    Time to become debt free? Usually within 180 days.
    Instantly reduce your monthly payment? Yes.
    Easy to begin? No. Usually takes months because of attorneys, court dates and hearings.
    In-line with Chistian Principles?  It is a personal decision that may make financial sense. Take it to the Lord in prayer.
    Other important factors: More difficult to qualify since laws changed in 2005.
  7. Chapter 13 Bankruptcy
    Reduce overall debt? Possibly. A repayment is developed.
    Time to become debt free? Usually 3-5 years.
    Instantly reduce your monthly payment? Maybe.
    Easy to begin? No. Usually takes months because of attorneys, court dates, hearings.
    In-line with Chistian Principles?  Personal decision that may make financial sense. Take it to the Lord in prayer.
    Other important factors: Debt limits apply. If your hardship doesn’t meet specific parameters you can’t file.