Are you looking for assistance with Christian finances and counseling services? Debt Free Christian offers a Free No Obligation Application - Apply Online Now! Be on your way to debt free living in 30 minutes or less!

Contact us via the Internet or call us Toll Free at 800-624-9747! Please feel free to use the links at the top of the page and the left margin to review our services.

Here is a commonly asked question:

How can your Debt Management Program help me?
Our Debt Management Program is primarily designed for individuals who have accumulated a fair amount of unsecured debt and are now unable to make the required monthly payments. Our program is also very helpful for those who are making their monthly payments but are unhappy with the very slow progress due so much of their payment going to high interest rates. What typically happens to these individuals is that they fall behind on some of their payments which doubles or triples their minimum payment. Interest charges accumulate and to make matters worst, once in arrears, late charges are added on monthly, thus ever increasing their debt. Due to insufficient funds it becomes impossible to catch up. Despair sets in.

Our organization can help these individuals by making sure that all of their unsecured creditors are notified that the client has enrolled into our Debt Management Program. Creditors must accept that the client has enrolled in our program, but need not grant any forbearance of the debt. Realizing, however, that the individual is financially over-extended and is seeking professional help from a qualified non-profit consumer credit counseling organization, most creditors will work with our organization and offer some form of relief.

Usually, but not always, we can stop late fees and other punitive charges, reduce or stop interest charges, lower the required monthly payments and re-age accounts to bring them current. We negotiate only unsecured debts, such as, credit card accounts, medical bills, service charges, personal and signature loans, and some installment loans. Once enrolled, correspondences from creditors regarding past due accounts are directed to our service department. In other words, in addition to the above benefits, our program puts an end to upsetting collection calls and offers our clients, financially speaking, and a new lease on life.

In analyzing an applicant's financial profile we determine if there is sufficient income to sustain an acceptable budget based on a "revised" payment plan. Should a qualified applicant enroll, we set up a contingent budget that accommodates all of the applicant's creditors. Only unsecured debts, however, are placed in our Debt Management Program. We do not contact secured creditors, utilities, or insurance companies. These expenditures, however, are accounted for in determining an acceptable budget. This budget includes a "fixed monthly consolidated payment" to cover accounts placed in the Debt Management Program. Upon enrollment, based on this budget and our service department personnel, who are experienced in negotiating with creditors, draft and mail proposals to each creditor placed in the program. We are recognized by virtually every major bank and finance company nationwide and regularly develop affirmative relationships with new creditors as our client base. In nearly every case, our organization is met favorably for the benefit of our clients.

Let no debt remain outstanding, except the continuing debt to love one another,
for he who loves his fellowman has fulfilled the law.
Romans 13:8