Coastal Debt Guide

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6 Step To Joining A Debt Consolidation Program
Many people find themselves treading water when it comes to credit card debt. Whether you are current or behind on credit cards, personal loans, ...[more]
Christian Debt Relief
When looking for debt relief many people facing financial hardship find they feel more comfortable with debt assistance from a Christian Debt man...[more]
Benefits of Non Profit Debt Consolidation
In the midst of economic turmoil more people than ever are desperately searching for ways to pay their credit card debt. Most often, consumers fe...[more]
When to consider a debt consolidation program
In today’s economy, it is very common for consumer’s to find themselves overwhelmed by credit card debt and in need of debt ...[more]
Tips on how to avoid bankruptcy
Consumers often feel that bankruptcy is the only option they have when struggling with overwhelming debts and s...[more]
How to consolidate credit card debt without hurting your credit
Debt consolidation is a program that pays the creditors in full by consolidating the debts into one monthly pay...[more]

Christian Debt Relief

When looking for debt relief many people facing financial hardship find they feel more comfortable with debt assistance from a Christian Debt management company. Regardless of what religion you are Christian Debt management offers the same services that any debt solutions company would, but emphasize their principles of honesty, honoring ones commitments, and living a debt-free life.

Most companies offer free Christian Debt Counseling for services such as interest rates, affordable payment plans that accelerate the payment process, a single monthly payment instead of multiple bills, and a monthly budget to maintain a debt-free life. These counseling sessions analyze the state that the debt is in and determines whether debt consolidation or debt settlement is better for each situation.

Christian Debt relief companies are almost identical to any other debt solutions programs. The counselor negotiates with creditors to reduce interest rates and work out an affordable monthly payment plan, the only real difference is that the fundamental beliefs and basis of these Christian companies believe that in order to serve God, one cannot be enslaved to worldly debt. When researching any debt relief company, whether Christian or not, it is important to look for these key aspects:

  • Accreditations, specifically Better Business Bureau
  • FTC compliant
  • Money back guarantee
  • Certified Credit Counselors
  • Number of years in business

Another option is Christian Debt Settlement. Similarly, this service offers the same services a regular Debt Settlement company would like merging multiple bills into a single payment and negotiating to reduce the principle balance and additional fees. The ultimate goal of this service is to not only reduce the amount of debt, but also create a realistic monthly budget that ensures the debtor lives within their means. Christian Debt Settlements will reduce principle, interest, and fees, but is reserved for people with a minimum of $10,000 in unsecure debt.

It’s important to remember that debt settlement will knock down your credit score up to 50 points or more, but that is much better than the more severe option of bankruptcy which can hit your credit score by 200-250 points and stays on your report for 7-10 years. Also, there are a number of ways to repair your credit score if debt settlement is your only option.

If you just don’t know where to start, speaking to a debt counselor is a great way to examine your situation and find an option that works best for you.