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Christian Debt Solutions

Christian debt solutions work in very much the same way as other systems for dealing with debt, except that they should be provided by Christian people whose values and beliefs govern the approach they take and the services they provide.

In truth many of the Christian debt solutions that you will see advertised on the internet are essentially just advertising by ordinary debt management companies who are targeting the market for Christian debt solutions. They are not offering a service that is any different to what they do for anyone else, simply creating a few special pages to draw in people who are searching for the term Christian debt solutions. This is not necessarily a problem, but is something it is useful to be aware of.

What Are Christian Debt Solutions?

One interpretation could be that Christian debt solutions are services provided by people who are themselves sincere Christians and who operate in a way that is consistent with their faith in Jesus Christ. Another interpretation could be that the service may not necessarily be provided by Christians, but that what they offer is in line with your own ideas and beliefs about what is ethical and acceptable.

I personally think that it is about understanding the options that are open to you for dealing with debt problems, then making sure you follow a course of action that you are happy with in terms of being consistent with your faith. A clear understanding of the systems that can be used for getting rid of debts has to be the starting point, if you are to make decisions that do not conflict with your Christian beliefs.

Christian Debt Solutions: Debt Management

Debt management is probably the most common way to deal with debt, and the good thing about it from a moral point of view is that it is a way of paying back all of your debts in full. Some debt solutions involve negotiating to write off part of your debts, which some people may have concerns about in terms of fairness and the possible negative impact on others.

With debt management you essentially find new arrangements for repaying what you owe in a more affordable way. This is done by negotiators from the debt management company working with your creditors to agree changes to the terms of your debt repayment, which will normally result in paying less in interest. It can also result in reducing or waiving any other penalty charges or late payment fees.

The debt company become responsible for making the new payment amounts to all of your creditors, and all you have to do is make a single monthly payment to the debt company. As well as freeing you from contact with the people you owe money to, this makes the actual managing of your debt payments much easier.

While the system of debt management is perfectly respectable when it works properly, it is worth noting that not all debt management companies are very honest. There are some that exploit people in hardship by charging excessive fees and effectively making it take longer to pay back debts than it should.

It is therefore important to approach only reputable companies that you know to have a good track record of helping people out of debt in an ethical way. It is sensible to apply to a few such organisations and compare the proposals and advice that you get back before making any decisions. This will also give you the opportunity to make a judgement about the nature of the people that you are dealing with and decide whether you are happy to be closely associated with them over a period of time.

You can find a list of some of the most reputable and best debt management companies on the main Debt Management Page of this website.

Christian Debt Solutions: Negotiating Debt Yourself

Another option, particularly if your debt is quite serious, is to try to negotiate settlements with your creditors for less than the full amount of your debts. The way this works is that creditors will often settle a debt for much less than the full amount, particularly if you can pay the balance in a lump sum and if they think the alternative may be that they get nothing.

This tends to work best for people in very serious situations, where bankruptcy could be a real possibility. If creditors can see that you may end up filing for bankruptcy if you cannot reach settlements, they may rather settle for a reduced amount that risk getting nothing, which is what may happen if you go bankrupt.

It is quite common for people in the right circumstances to get over half of their debts written off, but to do that you almost certainly need help and advice on the process that you need to go through.

There are lots of guides and courses available, and you can find reviews of some of the best ones on the main page on How To Negotiate Debt.

Christian Debt Solutions: Debt Settlement Companies

Instead of trying to negotiate debt settlements yourself, you can use specialist companies to do the work for you. This is a huge business in the US, with many companies successfully writing off millions of dollars worth of debts for people each year.

The downside of course is that these companies need to be compensated for their services, so they take a fee. The good companies will often only take a proportion of however much they get written off your debt as their fee. This is a good thing because it means you only pay in proportion to how successful they are, and you cannot end up worse off at the end of the process. It is also a reflection of how confident the company are in their own performance and ability to negotiate good settlements.

The same thing applies to this as to looking for a debt management company, in that you need to be careful, approach only reputable companies, and try a few before committing.

You can find a list of recommendations for some of the most reputable debt settlement companies on the main Debt Settlement page of this website.

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