Christian Debt Solutions is a debt negotiation program with a Christian perspective. We act morally and ethically to help you eliminate your debt through a Christian debt solutions process. We are headquartered in Mesa, Arizona, however, we serve clients in 48 of the 50 states in the U.S. Christian Debt Solutions is not a debt consolidation company. The differences between a debt consolidation company and a debt negotiation company are many. Debt consolidation companies simply act as a liaison between you and your creditors. They help you set up a monthly payment program and then pay a portion of those monies to each of your creditors. The drop out rate is very high with these companies because you have to pay off your entire debt.
Debt settlement companies are completely different, as our debt negotiators work on your behalf with your creditors to negotiate and settle your debt for a fraction of what you owe them. In addition, we will work with you to determine what you can afford as your single monthly payment. As a result, you are out of debt in a fraction of the time that it would take through a debt consolidation company.
We are often asked, “Why would a creditor negotiate and settle debt for a fraction of what you owe?” There are several reasons. Most creditors realize that if you have owned a credit card for over 4 years, you probably have already paid them back for everything you have purchased. The rest is only interest. Second, if you were to file for bankruptcy, they would get nothing in return. They would much rather settle your debt for 30% to 50% on the dollar, than get nothing.
Finally, we believe that paying creditors, especially at a negotiated lower rate is, in God’s eye, a moral and ethical way to settle your debt and get you back on your feet again. If you agree with these principles, please give us a call, or go to our “Getting Started” page and complete the form. Let us answer any and all questions that you may have about this proven program.