Many people assume the Christian debt counseling services provide free or low cost service, are more fair and legitimate than another debt relief service just because they have the word Christian in them.
This is not the case, though there are several good christian debt companies, there are also several bad ones. The bad ones are often headed by dishonest men who are just looking to make a quick buck. In doing so the abuse the faith so many put in the word christian as well as the hard financial & emotional situation you are in.
Some companies make promises and don’t deliver because they are just plain bad companies. They have lazy staff, they don’t communicate well, etc. However, some companies are illegal scamming companies. The debt relief industry seems to attract these scammers because of the high emotional toll being deeply in debt plays on people. It is so hard to have bills that you just can’t pay, have people calling you up all hours of the day and telling they’re going to sue you if you don’t pay them and you’re just trying to figure out how to keep the lights on and buy groceries. Just be aware that these kinds of companies are out there and you can avoid them.
To avoid such a scenario, deal in person whenever possible. Use organizations that have local offices, rather than those that function solely on-line or over the phone. Find out if anyone has filed a complaint against a company with the Better Business Bureau or other consumer protection agencies. Speak with the state Attorney General to ensure that the company is licensed to operate in your state, and check the non-profit registry to ensure non-profit status. Finally, steer clear of companies that charge fees upfront and make unfounded promises about what they can provide. A reputable company will not guarantee results without first understanding your financial situation.
Knowing what to avoid and how to search for a good company will give you the leg up that you need to really find a good company for your debt counseling needs.
C. Arnold is an professional at budgeting and debt management. To find out more about Christian Counsoling Debt.