In the course of being active in the local church and studying and attaining Associate Degrees in Pastoral Counseling and Theology, I became convinced that the teaching – “you can tithe your way out of debt” is a false teaching. Sadly, it is pervasive in the church today. Now, it is not my intention to [...]

So you’ve done preparation work as set out in Phase 1, and it’s time for the meeting you scheduled with yourself as part of that process. The tools you’re going to need for this part of your debt reduction plan are: Current credit rating Monthly expenditure List Monthly income List List of all debts Pens [...]

Are you in debt? Have you run out of options? There are solutions out there, some radical, but one or more may be what you need to help you get out of debt. 1. Bankruptcy. Yes, bankruptcy is an option for some, especially if there is no way that you possibly could pay back what [...]

Debt consolidation counseling is essential for even the youngest of the Americans. An average American receives his first credit card at the age of 18 and given this fact every American household is about $9000 in cumulative debt. Credit cards are a major reason behind most of the people being in debt and so many [...]

If you are drowning in debt, if you are seriously delinquent on your monthly payments, your credit cards are maxed out, and you are being charged late fees, finance charges, and over-the-limit fees every month, then it is time for you to take back control over your finances and destroy your debt. If digging yourself [...]

Many individuals may find themselves under the burden of debt where repaying the loan becomes a mammoth task. At times like this even friends and family may turn their back on us lest they have to provide financial assistance. It can be a trying time for the debt unless he has the moral and financial [...]