Debt Relief

Having been in the debt relief business for a number of years now, I think it is safe to say that I have heard just about everything. How folks fall into the “debt trap,” albeit through a divorce, a job loss, taking an elderly parent in, or simply unexpected bills (usually of the medical nature.) The pain these people are going through at this stage in their lives is hard to fathom sometimes, even when you have heard the same hardship several times before.



One of the things I enjoy most about working for a Christian organization is that we are allowed to pray with our clients over the telephone. I cannot tell you how many families I have talked to over the years that when I hear tears or heartache over the telephone, I can stop the conversation, and simply ask, “Can we just stop and say a little prayer?” I have never been told no! That, in and of itself, after getting spoon fed the crap in our secular society today is a blessing unto itself.



The other part of the equation is when I tell my clients that there is a solution. How many times to we run into problems in our lives, especially financial ones, and it seems that there is no help in site. Then I walk though our program with them and show them that not only can we reduce their entire debt down, we can save them money on their monthly payment plans as well.



Finally, it does not end with getting rid of their unsecured debt (credit cards, personal loans, medical bills, etc.), as it does in helping them get a handle on all of their financial problems. For example, people whose two car payments exceed their mortgage payment. Or, people whose debt to income ratio is twice the national average. Basic things on how to set up a budget and live within your means, while at the same time setting aside money for vacations and emergency funds.



The best part of all of this is when people realize that they are not slaves to their paycheck any more. You can actually go after the job you really want, because you do not owe your creditors a dime any more. It is not rocket science, however at the same time, it is never taught in schools either. It is also what I did. In summary, I guess you can say I love my job. How many people can say that? Pray, Solutions, the sense of getting your life back. What could be more rewarding?

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