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CHRISTIAN DEBT CONSOLIDATION BEWARE !
Many people seem to find the existence of Christian debt consolidation companies rather questionable, to say the least. Especially if interest is charged on loans consolidated as such. They think that because Christianity teaches charity as a pillar of faith, charging interest appears to be capitalizing on the lendee’s difficulty, the need for bridge financing. This, they say, contradicts Christian teaching on charity, which means helping ---not taking advantage of--- someone who needs. The Bible saying, 'Just as the rich rule over the poor, so the borrower is servant to the lender' (Pro. 22:7) is illustrative of this.
Others feel that it is not inconsistent with Christianity to pay interest on loans, provided that the loans have been obtained in order to fill a distinct and basic need, not luxury, such as to purchase a car or a home. They frown on borrowing to finance unnecessary items desired only to boost one’s pride or ego or social standing. This is definitely unChristian and should not be condoned, they aver.
Some quarters also argue that taking out a personal loan does no harm, as long as the intended value of the loan purpose exceeds the value of the loan itself. A good example of this is a student loan, which finances education, a value that is infinitely greater than the cost of the loan.
Still other people think loans are okay if they do not burden the borrowers. In other words, the borrowers should feel they care very little if they can’t have the loan; it is something they can do without.
Christian debt companies on their part defend their position by saying that Christians, like any other person, can also fall into need. It is therefore charity to fill this need, and charge interest in order to continue to do so with others needing the same assistance. A nominal fee charged to cover overhead and other expenses will help tremendously to perpetuate the means of assistance, in this case funding, so that others may also be served. Without the interest, the capital will eventually peter out, eaten away by insignificant but constant small expenses that should have been covered by the interest.
More so if the company incurs losses due to loans not paid. So they also encourage payment by quoting the Bible: 'The wicked borrow and do not repay, but the righteous give generously' (Psalm 37:21). It is likewise their desire to help their borrowers to ‘live abundantly and be debt-free.’ And that by consolidating loans, they make it easier for the borrowers to pay off their loans, thereby lessening the burden. And that is definitely Christian in act and deed.
Despite these rationalizations, some people still feel uncomfortable dealing with Christian debt consolidation companies. Non-Christian ones are therefore a viable option. However, it must be remembered that Christian and non-Christian companies do not make distinctions on the religious affiliations of their clientele, and therefore one is just as functional as the other. Thus, opting for either boils down to just personal preference.
BELOW ARE OUR LIBRARY OF FREE DEBT CONSOLIDATION AND MONEY MANAGEMENT TIPS AND ADVICE.
If you are one of the millions that are bounded by a mountain of credit card debts, fear not, you are not alone. Though you walk through the valley of the shadow of death you will fear no evil. Go through this free debt management course and get your life back together again with your head held high. Click Here
Find out why finances and money doesn't seems to flow into some christians lives, is it that God don't hear their prayers? Or is Holiness equivalent to poverty? Click Here
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Today's Prosperity Bible Verse
For the Lord your God will bless you just as He promised you; you shall lend to many nations, but you shall not borrow; you shall reign over many nations, but they shall not reign over you. - Deuteronomy 15:6
Free Debt Management
How do you know that you are in DEBT? How do you know that you are really in deep DEBT? Do you think you need a CHRISTIAN DEBT MANAGEMENT or CHRISTIAN DEBT CONSOLIDATION? This are the questions that most professionals will ask you about. If not, you will ask yourself this question. The true fact is that once you are interested even to pop into this web page, most likely you are in debt and you need advice on debt management or debt consolidation. The truth is you are not alone, you do not need any high tech software to give you a profound answer that you are in debt neither do you need to seek any credit repair guru to tell you,”you are in debt.”
But in order to go any further, you got to know this: no debt is too high for you to conquer. It is not impossible for you to turn your situation around and start living your life debt-free. No matter how dire the situation is, whether is a $2000 debt or a $500,000 debt, there is always light at the end of the tunnel. If you feel like ending your life at this instance because you feel that you just cannot get out of the hole, stop this moment and talk to someone about it, talk to a debt management expert, someone that can response to your questions. Always remember that you are not alone, there are more than 190 million Americans like you that own a credit card and the average debt is $9000. And that just does not include home loans and car loans, lots of people are living on debt...... Read More
Free Debt Consolidation
You have just found out that your card is busted and banks are calling you every morning, you just wonder what has happened. You are in a mountain of debts and you just want to get out and be debt free once again, but first in order to get out, you need know how you got here.
One of the reasons you are in debt is because you are a impulsive shopper! Most of us lived in a materialistic world, always trying to impress our friends that just really don't care. You are always comparing the latest gadgets, latest cars, designer's labels and dine in luxurious restaurant. The worst scenario is that when you see an item that you want (not need), and you are in debt already, your mind tells you,”what the heck, anyway I will never get out of debt, just charge it to my credit card.” or maybe this could be a new line,”This is the way of a modern man in a modern world, everyone is in debts, I am not alone, just charge in an extra item to my credit card should be fine.”Or probably the most common problem is that you don't earn enough even though you have been living on a budget all this while. Read More...
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