When most people mired in debt problems think of Christian Credit Counseling, they envision a safe haven they can go to and find debt solutions and spiritual solace. However, all too often, what many consumers are finding after they sign up with Christian Credit Counseling programs is a nightmare from Elm Street.Christian Credit Counseling Isn't What It Used To Be! - It's no secret that countless Americans are in serious financial trouble and maybe that's the problem. Debt laden consumers have drawn out of the woodworks a new generation of criminals and scam artists who have entered into the debt game with a bravado unheard of. Once they open their doors for business, they make promises they cannot keep and actually never intend on keeping. Promises such as being able to settle debts for pennies on the dollar, fix your credit and being able to put a halt to the debt collection process. To accomplish these incredible heavenly feats, they require large up front fees, management and processing fees and various other unexplainable monthly payments.
What lures people in is the notion that Christian credit counseling services are free, and they usually are. But only for the counseling part itself. If there is a need to get into debt management, there will be plenty of fees just like with any other debt resolution company. This is not to criticize faith-based organizations, but serves to point out that whenever a debt resolution company goes to work, it costs money.To understand how debt resolution programs work also lends to understanding why they cost money. To receive the best negotiations for clients, it takes professional and experienced arbitrators. They have salaries. It also takes working with an insured banking facility who holds accounts. There are fees involved with any financial account. And so the list goes on. Christian credit counseling is no different. While counselors themselves may be volunteer, they are usually paid from the fees that are charged for debt management or consolidation programs. There is nothing wrong with that. People who do counseling deserve salaries too. But consumers should be aware that what purports to be free actually isn't.
They also reduce the interest rates significantly and thus help people save money and use it for other important and urgent needs. Now, this does not sound any different from what other credit card debt consolidation companies do. However, there are some differences. To begin with, the number of Christian credit card debt solution companies working on a non-profit basis is much higher. The ones that charge a fee stick to nominal rates. Additionally, they also proffer spiritual counseling to their clients to give them strength not to incur debts again in future. This spiritual counseling does go a long way in improving the spending habits of people.
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.
If you have other questions or concerns about Christian Credit Counseling, Christian debt relief or need free debt advice, go to Christian Credit Counseling. You Won't Find This kind of Guidance Anywhere Else, Not For Free.To learn all of your debt options and get tips and help on solving your debt problem without losing your mind, click on: Get Out of Debt. We are the Experts at helping people solve their debt problems!
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.
As part of remedying a debt situation, your credit counselor will be able to help you analyse your past buying patterns, spending habits and income potential. This is because the learned behaviours that have brought about a money struggle have to be recognised and deliberately changed, or there will be no permanent victory. Because most people find self-discipline difficult when it comes to money matters, your counselor might have suggestions to make things easier. Examples might be using a bank account for saving that's less 'accessible' (does not come with card access), reducing your daily withdrawal limit at the bank, making automatic savings plan deduction arrangements with your payroll clerk at work, using a 'debit' card for online purchases instead of a credit card, or even deliberately paying extra tax as a form of non-accessible savings, and receiving a nice tax refund at the end of the financial year.
Of course, not every case of being overextended is directly due to money mismanagement. Many times a sudden, unexpected financial crisis can take people by surprise. But even in these cases, the crisis occurs because a family does not have a savings 'buffer' with which to meet emergencies. So a long-term goal of Christian credit counseling is not only to see people back in 'the black' regarding debt, but to be proactive in money matters and use wisdom about accumulating savings, making sound investments, and having extra to give to needy causes.
[Christian Credit]
What lures people in is the notion that Christian credit counseling services are free, and they usually are. But only for the counseling part itself. If there is a need to get into debt management, there will be plenty of fees just like with any other debt resolution company. This is not to criticize faith-based organizations, but serves to point out that whenever a debt resolution company goes to work, it costs money.To understand how debt resolution programs work also lends to understanding why they cost money. To receive the best negotiations for clients, it takes professional and experienced arbitrators. They have salaries. It also takes working with an insured banking facility who holds accounts. There are fees involved with any financial account. And so the list goes on. Christian credit counseling is no different. While counselors themselves may be volunteer, they are usually paid from the fees that are charged for debt management or consolidation programs. There is nothing wrong with that. People who do counseling deserve salaries too. But consumers should be aware that what purports to be free actually isn't.
They also reduce the interest rates significantly and thus help people save money and use it for other important and urgent needs. Now, this does not sound any different from what other credit card debt consolidation companies do. However, there are some differences. To begin with, the number of Christian credit card debt solution companies working on a non-profit basis is much higher. The ones that charge a fee stick to nominal rates. Additionally, they also proffer spiritual counseling to their clients to give them strength not to incur debts again in future. This spiritual counseling does go a long way in improving the spending habits of people.
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.
If you have other questions or concerns about Christian Credit Counseling, Christian debt relief or need free debt advice, go to Christian Credit Counseling. You Won't Find This kind of Guidance Anywhere Else, Not For Free.To learn all of your debt options and get tips and help on solving your debt problem without losing your mind, click on: Get Out of Debt. We are the Experts at helping people solve their debt problems!
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.
As part of remedying a debt situation, your credit counselor will be able to help you analyse your past buying patterns, spending habits and income potential. This is because the learned behaviours that have brought about a money struggle have to be recognised and deliberately changed, or there will be no permanent victory. Because most people find self-discipline difficult when it comes to money matters, your counselor might have suggestions to make things easier. Examples might be using a bank account for saving that's less 'accessible' (does not come with card access), reducing your daily withdrawal limit at the bank, making automatic savings plan deduction arrangements with your payroll clerk at work, using a 'debit' card for online purchases instead of a credit card, or even deliberately paying extra tax as a form of non-accessible savings, and receiving a nice tax refund at the end of the financial year.
Of course, not every case of being overextended is directly due to money mismanagement. Many times a sudden, unexpected financial crisis can take people by surprise. But even in these cases, the crisis occurs because a family does not have a savings 'buffer' with which to meet emergencies. So a long-term goal of Christian credit counseling is not only to see people back in 'the black' regarding debt, but to be proactive in money matters and use wisdom about accumulating savings, making sound investments, and having extra to give to needy causes.
0 comments:
Post a Comment