Christian Credit Card Debt Consolidation

I have been reviewing different websites for help with my credit card debt. Because of religious beliefs I am hoping to find someone that can offer Christian debt consolidation. Does anyone know who are the best Christan debt consolidators?

I have been a reporter and author on the debt industry for over 4 years. I have reviewed several companies in regards to Christian debt consolidation as several of my readers have asked this exact question. The main thing to look for is a company that offers several options, a free consultation, and has an excellent BBB rating. I have tried over 35 different services and this one has been the best above all others:

http://www.ChristianDebtConsolidation.co m

You will notice that it has a legitimate website URL and is not being used for marketing purposes like the other answers submitted to this question.

2009-11-20 09:15:53 by Clint P

www.OutOfDebtToday.com christian debt consolidation, http will show you secrets your creditors don't want you to know. Debt consolidation ...

I have 3 different credit cards that now have over 20% interest rates because I was late on one payment. I have heard that Christian debt consolidation might be a better option than regular, but I want to make sure I select a company that is reputable.

I get this question a lot. I have personally reviewed over 50 different programs and have enrolled my credit cards in 7 of them just to test them out for the readers of my blog. Of the 7 I have tested, 2 of them have been Christian debt consolidation. It is virtually the same service but based on Christian principles. So, to answer your second question, I would say "yes" if you feel that sort of service will help you stay in the program and interact with the support staff.

Here is the best site I have come across:
ChristianDebtConsolidation.com
http://www.christiandebtconsolidation.co m

Having a domain name that cannot simply be bought for $8 on Godaddy should be the first indicator that the site is legit.

2010-02-15 07:45:04 by Jeff

Credit card debit, college loans and medical bills are at critical levels and am way over my head. Trying to make monthly payments, but that is not enough. Not eating out or wearing new clothes, just not making enough money. Considering turning to a debt consolidation service, but not sure about who would be safe and secure to go through. Thanks for any input.

First of all they are a BAD IDEA from the get-go !!!!!!!!!!!! You can do this all by yourself and it wont cost you a cent !!!! And just because it says CHRISTIAN doe NOT mean it's good!!!! Some of the biggest swindles and rip-offs have been done under the guise of "Christian" !!!!!!!!!!!!!
I will help you if you want. I have helped many. And wont charge you.
First you need to cut up ALL CREDIT CARDS. Then you need to call each credit company and ask to speak to the supervisor, you need to tell them that your current interest rate is way too high & you need to get a much better rate or you'll have to drop their card. (pay on time every month, so they'll want to keep you & always try to pay at least 40% more than minimum due and as much as you can afford!).
Do you have a checking account, I assume you do. If so, go to your bank & ask to open an OVERDRAFT PROTECTION ACCOUNT on it. This will enable you to pay your bills on time and it will keep your credit good as you wont have OVERdRAFTS!!! After you open that, you need to make all your credit card payments AUTO-PAY out of your checking account for at least the minimum due, preferably min.+ $10 each. This way you will NEVER be late on a CC payment and your credit will improve vastly in the next 6 months !!!! Also try to pay something on each card by check when it comes in by snail mail !
Then contrary to what most financial advisers advise, I want you to start paying down your lowest balance as much & as often as you can, if you have $5 extra in change that week, drop it in the bank & send them another check for $5 !!!
Dont buy ANYTHING you can make at home and take with you to work or play !!!! You're on a MONEY DIET !!!!!!!!!!!!!
Make your own Latte, your own muffins, your own lunch !!! Dont buy an pre-packaged foods, make your meals from scratch!!! No movies, barrow movies from friends or the PUBLIC LIBRARY -- they are FREE !!!!!!!!!!!!!!!! All you need is a library card !!!
I can council you more if you are interested, let me know. petunia1354@yahoo.com
I helped one co-worker clean up his credit and within 7 or 8 months he was able to buy his own home (and he was out of serious debt !!!) Aunt Barbie

2007-01-30 13:22:18 by bluedot

My Wife and I have a short but colorful history:

I am 35, she is 24
I grew up in Florida, she grew up in Vermont

January 2006 - We met in Florida in school
April 2006 - Started dating, (we were both heavy drinkers and partiers, night clubs, beach bars, etc.)
August 2006 - Found out she was pregnant
September 2006 - I tried to take care of my credit card debt or $18,000 by calling a "Debt Consolidation" firm
December 2006 - Moved up to Vermont to be close to her family
January 2007 - Found out that my identity had been stolen and my credit cards were maxed out. I now am in $85,000 in credit card debt. Plus our school loans. $20,000
April 2007 - Our daughter was born


The first year we tried really hard and I worked as a waiter, she stayed home to raise our daughter. We had financial difficulties throughout the year, I obviously wasn't paying the credit cards or school loans, we barely made rent each month.

January 2008 - My wife found God and became a born-again Christian.

March 2008 - After several attempts to control what had become a growing problem with alcohol I ended up going on a ten day drinking binge. She left to her parents house and I stayed in the apartment and tried to drink myself to death with wine and stayed drunk for ten days. My mother in-law ended up calling the police and they came to the apartment and found my laying on the floor naked and bloody, covered in my own urine and vomit. They took me away. I went to rehab for 21 days.

Since then I haven't had a drink or touched any substance. (Almost ten months now)

April 2008 - I got out of rehab and we got married on April 15th. Shortly after we joined the local church and we were baptized together.

Over the summer of 2008 I was unemployed, we moved to a new apartment and started a new life. I felt like a new man and she seemed very happy.

August 2008 - Found a great new job with the promise of a life-long career building furniture. I am very happy and working quite a bit (6 days a week)

Since then money is still tight but getting better. My wife continues to stay home with our daughter, now 20 months. However, she is very upset with me about many things. I don;t chip in enough with the housework. I need to devote more of my free time to bible study, prayer, and devotionals. We need to tithe, (donate), more of my pay to the church. I stay up too late sometimes and when I am tired the next day my behavior reminds her of me being drunk. I forget to put my dirty socks in the hamper.

She claims that she has changed and become a Christian and I haven't and it's not good. However, since she's Christian she can't leave me because she made a promise top God. I want to stay together but I am having a hard time complying to all the rules of Chritianity. She has stopped wanting to kiss and be affectionate now, however, talks about having more kids still? Recently she told me that she actually never liked kissing in the first place. Also, she says she's way too tired from being a homemaker to have a libido. I feel she gets enough sleep, she gets up at 9 or 10 AM and goes to bed at about 11 PM.

I don't know what to do. Please, some advice!!
I wanted to add that I don't think she loves me and feels that she really screwed up by getting with me in the first place. Now she's poor and has a kid and is stuck with an old man. Also, she really wants a house now and wants me to pay the $85,000 off and not claim bankruptcy. I have know idea how I would ever be able to. I make $13 an hour before taxes. We're on food stamps $242 a month though, which helps. She left me in October, went to her Mom and Dad's, but then came back when she got in a fight with her Mom and realized she had no place to go. She just really can't stand me, but at the same time is still planning a future and more children and stuff.

It sounds more like a mother-child relationship, not a marriage.

2009-01-08 00:39:27 by boodakyne