Christian Debt Counseling

There is a fundamental difference between the goals of a standard debt counseling service and a Christian debt counseling service. Standard debt counseling services want you to become debt free for the benefit of you and your family. Christian debt counseling services want you to become debt free so you can be better stewards of the financial gifts God has given you. The practices are the same, the fees are the same between Christian and secular nonprofits, the methods are the same. So why choose a Christian debt counseling program?

One of the biggest benefits you will find in a Christian debt counseling program is that the counselors are willing to pray with you. While you may encounter a Christian debt counselor in a secular counseling agency, they are not likely to pray with you because of the potential for discipline from their company. If you walk into a Christian agency, prayer is an integral part of what they do, and they will pray both with you and for you. Dealing with a debt crisis in your family is a stressful thing, and taking a few minutes to pray with someone who knows the depth of your situation can be so comforting that you walk out of the office feeling hopeful.

For Christians, the most important thing we do on this earth is to serve God. If we are so burdened with debt and financial struggles, our ability to serve God is hindered. We find ourselves worried and nervous, wondering when the next collection call will come. That takes us away from the ability to rest in God’s promises and do the work He put us here to do. Christian debt counseling agencies want to help restore you to the place where you have your finances in order and are free from the burden of debt.

Further, Christians see the material things we have in this world as gifts from God. If we are in debt to the point that we can’t pay monthly bills, we are not using those resources wisely. Christian debt counseling programs want to help you get to the point where you are using all your resources wisely.
A Christian nonprofit debt counseling service operates exactly like a standard nonprofit debt counseling service. The deals they negotiate with your creditors are exactly the same. The rates they can get for you, the fees they eliminate or lower, the monthly payments are all the same, regardless of whether you use a Christian counseling service or a secular one.

Not all Christians are the same. You will find differences in personality and in ways of conducting business. Don’t feel like you must stick with the first company you talk to just because they did some preliminary work for you. If you don’t feel comfortable with the people you have been in contact with, you can ask for a new counselor, or you can move on to another company. Talk to several different companies about how they will handle your particular situation. Don’t think you have to be put into a box because you want to use a Christian counseling service.

A word of warning before we go on. Just because a company puts the word “Christian” in their name does not automatically make them reputable or trustworthy. Research a Christian company just like you would a secular company. Make sure their core beliefs are in line with what you are looking for. There are people out there who would use the name Christian to lull you into a false sense of security before absconding with your money.

Here are some important things to think about before deciding on a particular Christian debt counseling program. First, a truly Christian program will be honest and up front with you, even about things that are very hard to hear. They will speak the truth, even if they fear it will drive you out the door. Second, a Christian debt counseling program will have the goal of restoring your financial health for the glory of God first and for your benefit second. 
Third, different Christian programs will have undertones of different Christian doctrinal beliefs. Know why you are seeking debt counseling before you go looking, and ask questions.

Christian debt counseling services are a great option for those who are seeking help in recovering from debt problems. Truly Christian programs are going to be more interested in ministering to you than in meeting a quota or making a buck. 

You will be able to find Christian debt counseling programs offering consolidations, debt settlements, and debt counseling services. Ask the same questions of a Christian debt counselor as you would a secular counselor. You will usually find Christian counselors to have a heart for helping you make your financial life stronger and healthier. In order to have the best Christian debt counseling experience, do your research. Know the core values of the firm you choose, and ask whatever questions you need to have answered before becoming a client.

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