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Q. What exactly is your Christian debt progam?

A. This is not a loan. This is a program based on Christian principles, that was designed so that you do not need to borrow any more money. “… and the borrower is servant to the lender.” (Proverbs 22:7) Our Christian debt program combines of all your unsecured monthly bills into one affordable monthly payment. To help get you out of debt as quickly as possible, our Christian debt advisors will arrange to lower your interest rates and reduce and/or eliminate any bank fees. This will dramatically reduce your overall debt, dramatically escalate your pay off time and lead you back to the simple life that is intended for all who walk the Christian path.

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Q.  What do your Christian debt programs have to do with Christianity?

A. Any Christian burdened by debt knows the spiritual costs: excessive focus on money; excessive focus on self; a sense of being enslaved to the debt; a decreased sense of personal integrity; a heavier spirit which interferes with loving relationships at home, at work and in the community; overwhelming distraction from service to God, family and society. No one who is financially bound can be spiritually free. Our debt programs are driven by Christian principles and provide debt programs that enable Christians to resolve their obligations with integrity.

Q. How does the Christian debt progam work?

A. Shortly after you submit the information request form, a highly-trained Christian debt advisor will contact you to help you to assess your current debt situation and to explain specific Christian-based debt programs. If we are able to find a Christian debt program that fits your goals and needs, you authorize our non-profit service provider to contact your creditors. Our Christian debt advisors will arrange to get your interest rates and monthly payments reduced to an amount that you can afford to pay. From that point forward, you no longer have to pay high interest rates and fees. All of your debts are consolidated into one simple, manageable reduced payment which you submit through the Christian debt progam. The funds are then automatically forwarded to your creditors on your behalf. The single payment makes budgeting and bill payment much easier for you. You receive regular monthly statements so that you can monitor your progress, and you also have round-the-clock access to your account through a secure website.

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Q. Why would my creditors agree to lower my Interest rates?

A. Our Christian debt programs are administered by a nonprofit 501(C)(3). Banks qualify for tax credits from the government when they cooperate through these debt programs. Therefore, your creditors will lower interest rates, reduce or eliminate fees and do whatever they can to help us help you get your life back in line with Christian principles.

Q. Why do I never seem to make progress paying off my debts?

A. Certain accounts (especially credit card accounts) are intentionally structured to keep you in debt. High interest rates and/or fees may be eating up the bulk of your payment each month. This is like running on a treadmill. The solution is to get your interest rates reduced through our Christian debt progams.

Q. How much time will I save by utilizing your Christian debt progams?

A. A typical credit card account may take more than 20 years to repay. Our Christian debt progams are structured to complete within three to five years on average. Since there are never any pre-payment penalties, you can accelerate your Christian debt progam if you prefer. Many of our clients complete their Christian debt progam program ahead of schedule.

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Q. How much money will I save utilizing your Christian debt progams?

A. Of course every situation is unique. Our Christian debt programs may reduce your total repayment expense by up to 70% or more.

Q. How will my credit score be affected by my participation in your Christian debt progams?

A. Again, each situation is unique. If you are delinquent on your accounts now, our Christian debt advisors can arrange to have your accounts re-aged and reported as current. If you pay your bills on time but have too much debt, our Christian debt progams can help you to improve your debt-to-income ratio. By re-establishing a timely payment history and/or by reducing your debt to income ratio, you can improve your credit score.

Q. Will I continue to receive harassing phone calls after I enroll in your Christian debt progam?

A. If you are being contacted by bill collectors at your home or work, you know how upsetting this situation can be. No practicing Christian wants to avoid his obligations and responsibilities. As a Christian, you want to repay the debt. When you utilize our Christian debt progams, you authorize our non-profit service provider to be pro-active and contact all of your creditors on your behalf. Your creditors automatically receive written confirmation of your enrollment in the Christian debt progam and will begin to direct inquiries to us. In most cases, collection calls begin to dissolve within a few days. Within as little as two weeks you can begin to answer your telephone again knowing it will not be a creditor.

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Q. Which creditors participate in your Christian debt progam?

A. Participants include all major credit card companies (Visa, Mastercard, Discover), department stores, medical clinics and hospitals, and student loan bureaus to name a few.

Q. What is unsecured debt? What types of debts will qualify for your Christian debt progams?

A. An unsecured debt is when the creditor holds no collateral. Examples of unsecured debt include credit cards, personal loans (signature loans), medical bills, student loans, state and federal income taxes, charged-off accounts and accounts with collection agencies. Examples of secured debt include vehicle loans, mortgages and home equity lines of credit. Our Christian debt progams are designed to assist with most forms of unsecured debt. Secured debt will not qualify for the Christian debt programs that we offer.

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Q. Can I resolve my mortgage and/or car loans with your Christian debt progams?

A. No. These are examples of secured debts and will therefore not qualify for our Christian debt progams. See the preceeding question and answer for more information.

Q. How do these programs differ from bankruptcy?

A. Morally, as well as financially and legally. A bankruptcy is designed to provide an escape from obligations and responsibilities. While legal according to societal standards, in our view bankruptcy is in substantial conflict with Christian principles: “The wicked borrow and do not repay…” (Psalm 37:21). A bankruptcy will have a negative affect on your credit report for up to 10 years. You will also have to deal with attorneys and pay court and filing fees. Most lending institutions will not even consider a credit application involving a bankruptcy. Our non-profit Christian-based debt programs are designed to help Christians toregain control of their finances and meet their obligations while at the same time bringing their lives into closer accord with Christian principles.

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Q. Should I get a loan instead?

A. In most cases, no. It is difficult if not possible to get out of debt by borrowing. Unsecured consolidation loans are among the highest risk loans and carry very interest rates to match the lender’s risk. Secured loans (i.e. home equity loans) may offer more attractive rates, however one should always compare the overall repayment expense. Even at a low interest rate, a fifteen or thirty-year loan will end up costing you several times as much in total repayment expense. Also, converting unsecured debts (i.e. credit cards, etc.) into secured debt (i.e. home equity loan) puts your home or other assets at risk in the event of an unforseen financial hardship like a health problem or a period of unemployment. Our Christian debt progams allow you to simply accelerate the repayment of your existing debts.

Q. Must I include all of my accounts in your Christian debt progams?

A. Generally, no. As a rule, the choice is up to you which debt you include in our Christian debt progams. There are a few very rare exceptions which can easily be identified when you first speak with a Christian debt advisor. Many of our clients choose to keep at least one credit card for travel or emergency purposes. You can almost always decide to add additional accounts into the Christian debt program at a later date.

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Q. How do I know if I qualify for your Christian debt progams?

A. Anyone with at least $5,000 of unsecured debt automatically qualifies for our Christian debt progams. If you are seeking to rid your life of this financial and spiritual burden, simply complete the information request form. One of our Christian debt soluiton advisors will contact you.

Q. Is my information kept confidential?

A. Yes. We treat your personal information as we would treat our own. For a more thorough review of our strict standards of confidentiality, read our privacy policy.

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