As a Christian I am aware that there is a growing niche of businesses out there purporting to offer Christian Debt Consolidation Services. I was intrigued to find out what if anything the Christian Debt Consolidation organizations had to offer that was different or whether it was just a marketing ploy. This is what I discovered.

Christian Debt Consolidation companies and regular consolidation companies basically provide the same services. Unsurprisingly the techniques used to help eliminate or manage debt are the same whether Christian or not.

However, the main difference between the two is clearly evident by examining their values and beliefs. The Bible teaches that debt is slavery and that you cannot serve both God and money. The Bible also says we should follow a spending plan to ensure we don't run out of money. For this reason Christians can feel that it is wrong to get into debt.

A Christian Debt Consolidation organization will (or should) do much more than just offer you a loan to end your problems. They will investigate the root cause of your debt problems and help you to develop a plan to avoid repeating the same mistakes as got you into debt in the first place.

Also many debts are hard to avoid especially as a result of job loss or unexpected medical bills. In these circumstances it is good to get support from a company which has a set of values and principles that align with your own.

It is gratifying to see that good Christian Debt Consolidation firms do not seek to simply lend money (as we have already seen the Bible states that Debt is slavery). They don't want repeat business unlike other firms. Success to them means they have helped set you back on the right path during a challenging time and if you follow the plan they have created for you there should never be a need to make use of their services again.

If you decide to seek help from a Christian Debt Consolidation service it is still necessary to do some background checks on the company. Sadly, some just use the Christian tag to boost their business and work without Christian values and beliefs in mind. One of the better ways to run these checks is to make an inquiry to the Better Business Bureau and to check they have the requisite licenses via the states Attorney Generals office.

I suggest Christians identify a not for profit organization offering a full Credit Counseling Service but even here you need to be careful. Even not for profit companies have to make money to survive and prosper. So make sure you do your background checks.