There are plenty of reputable Christian debt services that offer the counseling and education that Christians need and want in order to get themselves out of debt. However, there are also many unscrupulous people and companies out there that prey upon people's religious beliefs, luring them in under false pretenses.
It doesn't take much to set up a website that has a few money oriented bible verses and a well placed picture of a cross in order to come across as a Christian based company. And I am not trying to be facetious here either. A slick looking website is no guarantee that the company is Christian based or reliable. Just because the person on the other end of the phone claims to be a Christian doesn't mean anything either. In fact, as far as I know, you don't need any special license to call your company a Christian Debt Company.
Even if the company that you are dealing with initially truly is Christian based, there is always a possibility that if you choose to go the route of a debt management plan, your account may be shifted to another company to administer. And many times these third party companies are not Christian based.
Regardless of your religious beliefs, or the religious orientation of the debt relief company you sign on with, the driving force behind getting you out of debt has to be YOU! Debt relief services are just a tool. You have to do all the heavy lifting to make it work.
Start with a thorough analysis of your finances and spending habits...
Prepare a detailed budget that has you living below your means, so that you can start to make real headway in paying down your debts. Remember, neither non-Christian nor Christian debt services perform any magic that allows you to get out of debt without a lot of persistence and discipline.
Whether debt relief services are Christian or non-Christian, profit
or nonprofit, it doesn't matter. You still have to do your
homework and ask the right questions. Find out the fees they
charge, when they charge them, how long they estimate it will take you
to get out of debt, what support they offer along the way etc.
offer debt settlement services?
Can they or will they refer you to a
bankruptcy attorney if your situation warrants it?
These are all things
that you need to know when dealing with any debt help service, whether
they're Christian debt services or not.