Debt counseling shouldn’t be about religion

If you’ve been seeking financial advice for your debt problems, chances are you’ve come across companies that dub themselves “Christian debt counseling” services. Is it possible that Biblical principles will help you get out of debt faster and manage your money more effectively? Well, it’s doubtful. When you are deep in debt, you need a debt counselor that will not only listen to your problems, but will suggest effective solutions to fit your needs. Citing Biblical Scripture as evidence that being in debt is sinful is not what you need. Debt counseling services should be able to offer anyone advice and support, religious affiliations aside.

What is Christian debt counseling?

Debt counseling is a debt management strategy that involves you meeting with a debt counselor, someone who specializes in debt management. Debt counselors are usually consulted when people find they are having trouble paying their bills or can only make the minimum payment on their credit card. A debt counselor may suggest simple debt management strategies such as budgeting and planning to reduce costs, or they might propose debt consolidation or negotiation, depending on your level of debt and your income.

Christian debt counseling is a slightly different breed of debt counseling. However, depending on which company you are interested in, Christian debt counseling may not appear to be any different than counseling services that do not sell themselves as being ‘Christian.’ Some Christian debt counseling services hardly mention religion on their websites, aside from their designation as being Christian. Others, however, are weighted down with Biblical proverbs and verses encouraging you to become debt free.

To learn more about Christian debt counseling, click here.

How are Christian debt counselors different?

In short, Christian debt counselors are not different than other debt counselors. They tend to offer the same benefits—no hidden fees, lower interest rates, and lower monthly fees. However, this should have you wondering why Christian debt counselors sell themselves using a religious tag. Are they trustworthy? How can religion help manage debt more effectively? Are Christians better at debt management than other religions? Does religion matter where financial matters are concerned? It is difficult to say all Christian debt counselors are suspect; however, using religion as a marketing tool is something that people might want to consider before signing up with a Christian debt counselor.

Yes, it is true that problems with debt can start to affect your relationships with people around you, including your family, friends and co-workers. Often Christian debt counselors maintain that they are able to reduce your debt load and repair relationship problems that are caused as a result of financial difficulty. While some people might be comforted by Biblical parables, relying solely on Biblical and Christian principles to solve your debt problems is hardly good advice.

A good debt counseling service should offer advice and solid debt management plans to its clients, regardless of religion. Unless you are visit a Christian debt counselor for religious counseling rather than financial counseling, it’s best to stick with debt management companies that have professionals from a variety of cultural and religious backgrounds who are trained in debt management strategies.

A good debt counseling service should offer advice and solid debt management plans to its clients, regardless of religion. Unless you are visit a Christian debt counselor for religious counseling rather than financial counseling, it’s best to stick with debt management companies that have professionals from a variety of cultural and religious backgrounds who are trained in debt management strategies.

For more detailed information on Christian debt counseling, contact us here.

How Do We Compare?
Read about how Debt Consolidation Counselors is different than most credit counseling and debt settlement agencies out there.

Do You Qualify?
Find out if you qualify for the DCC program.