| Do you dread getting the mail and finding more bills, | | | | It is much like a traditional service but with a few |
| more late notices, and more threatening letters from | | | | tweaks. The basics are the same: a debt consolidation |
| creditors? Do you cringe when you see a call come in | | | | company will pay your debts off individually. In their |
| from "caller unknown", fearing its the creditors calling to | | | | place, a new loan is made for the total amount of all |
| harass you once again for late payments to your | | | | the loans paid off. This loan is offered by the debt |
| credit card accounts? | | | | consolidator, and exists directly between them and the |
| Or perhaps it is not this dramatic but it is still a very real | | | | person holding the debt. Once consolidated, the idea is |
| problem. Maybe you have got half a dozen credit card | | | | that you have a single payment, a single interest rate, |
| accounts, that seemingly of their own accord ballooned | | | | and a manageable payment plan. |
| into 4 or 5 digit numbers, and now you and your family | | | | The idea in and of itself is great and has helped a |
| are suffering for it, playing a juggling act between | | | | huge amount of people get back on their feet. |
| groceries, rent, and credit card debt, to say nothing of | | | | The twist with a Christian Counseling company is that |
| school supplies, new shoes, and entertainment money. | | | | the services are usually operating on a not for profit |
| You have probably seen the cheesy commercials on | | | | basis and with the Christian faith at the forefront of |
| television offering to help people with debt if you "just | | | | everything being done. This means first that the |
| call the 1 800 number on the screen now". Like any | | | | interest rate on the new loan is going to be quite |
| service, some are great, and some are not so great. | | | | competitive, which is another word for "lower", which is |
| When it comes to finances, there appears to be a bit | | | | another word for "saving you money"! Additionally, the |
| more on the side of "not so great", leaving many jaded | | | | company helps people understand finances from a |
| as to the integrity of financial companies. | | | | Christian perspective, usually Bible based principles to |
| Christian families feel this burden just as anyone else | | | | help manage finances and the family budget. These |
| would, and one thing that Is developed in response to | | | | Christian budget tips can be very helpful for someone |
| this is Christian based debt consolidation. | | | | learning how to manage their money. |
| What does this mean? | | | | |