Friday, October 11, 2013

Christian Credit Counseling - How Consumers Are Being Ripped Off In The Name Of The Lord

By Larry D. Holder


There are many legitimate faith-based groups who offer Christian credit counseling. A quick online search will reveal page after page of them, and many are, indeed, affiliated with genuine religious organizations. And many are not.For consumers who have an existing relationship with a church who offers these services, then there is solace in knowing who they are dealing with, and that can be a positive thing. But for those who see the ads and think that because an organization is church-based that it must be legitimate, there can often be a sad realization when it doesn't perform.
[Christian Credit]


Everybody Can Get Help:Companies offering you consolidation programs, no doubt, are instituted with the primary aim to extricate fellow members from such unfortunate circumstances. They provide genuine help to the members of the Christian community who have come under heavy debt because of extravagant use of multiple credit cards. Most of the companies offer loan consolidation to help out the people reeling under debt burden. These companies offer loans to enable people pay off their complete dues, in one go. Thereafter, they have the people pay back the loans in easy installments.

Getting help from Christian credit counselors can be a great way for people to get help and to feel comfortable about doing it. But unless the organization is personally known to the consumer, it should be just as researched and investigated as a privately held debt relief company. Unfortunately, the addition of the word Christian to the name doesn't always mean that the service will be good.As seen in the news, there relatively no part of society today that isn't vulnerable to scams, and the debt resolution business has just as many as any other industry. It is up to the consumer to do their homework and start working with any company with their eyes wide open. It takes relatively little effort to look at accreditations and references, and it is something that there's no excuse for not doing ahead of time.

In the business world, the word Christian does not necessarily imply that the business is exclusively for the Christians. Neither does it have to imply that the owner is a Christian. Internationally, it has come to be established that when someone is authentically Christian, the person concerned can be trusted and would follow the straight path of integrity. Interestingly, there is hardly any other business area where the name of a religious group is prefixed. A country's specialty may be advertised by name of a country to draw customers who favor that country's products especially food, but the qualifying term does not extend beyond this.

Debt loans are indeed of great help in escaping the burden of dues on multiple credit cards. However, you should not jump to accept the offer of just about any company claiming to offer Christian debt relief. As in case of any other company, you must duly verify the reputation of the company before opting to avail their services.

By using a Christian credit counseling service, you will be joining forces with other believers who have a true desire to help. They are even likely to look at their services as a ministry to others, and as a way of serving the Lord's body, the Church. Your counselor is likely to be a trained professional with expertise in the field of accounting or a related area. There may be extra benefits this fellow Christian can provide, such as putting you in touch with a Church buying co-op, or other cost saving plans.

A christian credit repair counselor can help you recover from your major credit problems and help repair bad credit to what it was before you got into trouble. The Christian credit repair counselor can prevent you from filing for bankruptcy or borrowing against your home. In the future, you can have more available credit options just by clearing up your debt now, if you want to buy a house or a car. Even you can be eligible for obtaining a regular loan.You can talk privately with your Christian credit repair counselor, because what you tell them about your financial situation stays with them. The counselor first understands your situation. Then, you and the counselor can formulate a budget so you can easily pay off all your outstanding debts. The counselor also can teach you how to save money for a future rainy day and can give you valuable credit repair tips to fix credit problem. Below are some of the things that a christian credit repair counselor can do for you:Teach you to better manage your household expenses.Help deal with harassing collectors.Teach you understand relevant financial issues surrounding your credit.Advise you how to reduce your debt burden.Help avoid bankruptcy situations.

The best place to find this faith based service is online. The Internet levels the playing field and makes locating faith based services a breeze as along as you're using the proper search parameters. Christian consumer credit counseling services are also available through local churches, ministries and other non-profit organizations across the nation. Those who consult with a service will be met with a caring and compassionate counselor who will carefully evaluate their financial status and present a workable plan for all parties involved; both the debtor and the creditors.

To insure there are no repeats, the Christian credit counseling staff may ask why and how you got into this debt problem. Oftentimes clients learn to deal with issues such as failing to budget, failing to follow a budget, greed and coveting things and objects. These are areas that someone outside of the Christian faith might not want to discuss or even recognize as being a problem.

Their main aim is to eliminate your financial pressure quickly so that you can become a happy person who is free in the service of the Lord. Don't worry because you are not alone instead, strive hard and end remove the burden of debts since it's the only way that will set you free. Their counselors will help you choose the right debt solution method after they complete evaluating your debts, income expenses and also your assets. Sometimes, you will be required to sell your essential assets which are not in use such as land in order to get out of debt fast. Their experts will negotiate with your creditors and have your bills lowered. This means that, you will now pay less bills than your actual balance.This counselors will help you ran away from bankruptcy and stop risking your home and other essential assets. Their counseling program will help to relief your stress and have better relationship with your family members. If you have been struggling to meet your monthly payments or have missed payments for the past few months due to high credit card bills or low income, the agencies will negotiate with your creditors on your behalf and have your monthly payments lowered to favor your situation. Your interest rate charges will be lowered allowing you clear the remaining bills fast.




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