| In recent years, the number of debt consolidation | | | | firm or avoid an extended drawn out process if the |
| and credit counseling firms that specialize in catering | | | | account holder goes through the expense of |
| to Christian clients have increased dramatically. | | | | declaring bankruptcy. |
| Christian debt consolidation and credit counseling | | | | Experienced Christian Debt consolidation and credit |
| agencies are aware of the concerns Christians have | | | | counseling services know this, and they have |
| about debt. They can help you consolidate your debt, | | | | experience working with creditors to ease the |
| establish a repayment schedule, arrange to allow you | | | | burden of repayment. They can help you renegotiate |
| to continue tithing, and provide the additional spiritual | | | | loans, reshape payment schedules, reduce your |
| counseling that you may need to help you stay out | | | | interest rate or obtain a loan that consolidates your |
| of debt. All of this is done in a way that is consistent | | | | debt. Many of these firms are nonprofit; they are in |
| with Christian beliefs and the teachings of the Bible. | | | | the business strictly so that they can help fellow |
| Creditors recognize that people who enter a debt | | | | Christians to get back on their feet and free from |
| consolidation program are trying to repay their | | | | the burden of unusually heavy debt. |
| obligations in good faith. Creditors are more willing to | | | | If this sounds like something that suits your personal |
| extend favorable terms to such clients in the hope | | | | needs, you should consider contacting a Christian |
| that they (the creditor) will avoid the significant | | | | debt consolidation or credit counseling agency. |
| expense of turning the account over to a collections | | | | |