Christian Debt Counseling And What The Scripture Say
October 24th, 2009 Subscribe To Our Feed
Christian Counseling Debt and The Bible
“The king was filled with pity for him, and he released him and forgave his debt.” Matthew 18:27
Is it biblical to be in debt It is not a sin to be in debt but the Bible does have a lot to say about being faithful managers of what we have been blessed with. The bigger sin is being too prideful to acknowledge your need and your current financial condition and look for help or advice. There are Christian counseling centers to aid with Christian debt elimination. The sooner you can get help the sooner obligations and debts can be corralled and brought under control. It is a humbling experience to go through, but others share this same experience. We learn from our hardships to better serve the Lord and to reinforce our faith. If you have a financial situation do not wait to seek Christian debt counseling because someday you may be able give spiritual or financial aid to a fellow Christian, family member or co-worker.
“The rich rule over the poor, and the borrower is servant to the lender.”
Proverbs 22:7
We are called to spend wisely. Often times we see ourselves in debt for very good reasons. There could be an illness, rendering you unable to work. Currently we see more and more workers being let go or hours reduced substantially. Whem the monthly payments become due, often times we discover we do not have enought money to pay them. Sometimes when the debt starts to increase credit cards will be used to make matters worse. It can become overwhelming and a Christian counseling debt may be needed.
Pray First
“Therefore I tell you, whatever you ask for in prayer, believe that you have received it, and it will be yours.” Mark 11:24
Take all things to the Lord in prayer. Does this mean everything you pray for will be granted? The Lord always responds to our prayers, but maybe not in the way we expect or in the time frame we want. Jesus prayed when He was on earth. He prayed while in the desert and also he prayed in the Garden of Gethsemane. Jesus prayedif it is possible may this cup be taken from me.. He still had to go through what He was sent to do, die for our sins and transgressions. We may still have to prevail some trials for the situation we are in, but He has promised to take care of us.
How To Stop Foreclosure - 3 Legitimate Solutions
October 24th, 2009 Subscribe To Our Feed
A superb resource: Stop Foreclosure Houston
To Stop Foreclosure in nearly any city in the United States of America, there are basically only a few legitimate options. Some of these you’ll know, and some will be brand new to you.
Here are a few directions you can take:
- Sell your house prior to the foreclosure auction. The value of this idea will vary heavily depending on the nature and quality of your local real estate market. If you’re in a market that still has very slow resale rates, selling your home could be a challenge. Ask a local real estate agent to determine the average number of days on the market for properties in your area.
- Initiate a loan modification. A loan modification is a process through which your lender changes the payment terms of your loan to more closely match your ability to pay. While this is not a guarantee, loan modifications have become more popular in the last 12 months.
- Refinance the property. If you are not yet fully into the foreclosure process but have reason to expect you will fall behind on your payments, it may be wise to try to refinance your mortgage to a lower rate. If your property is worth less than the balance of the mortgage, you’ll want to inquire regarding a “short refinance”, which is when a lender forgives a portion of the debt against you in order for you to refinance your property and pay off the remainder of the debt you owe.
When you’re trying to stop a foreclosure, the key is fast action.
Warning: Be very wary of people who aggressively attempt to purchase your home for investment purposes. While there are many legitimate real estate investors, there has been a significant amount of fraud with “Stop Foreclosure” scams, and it is wise to be very, very careful.
Please remember: The crisis you now face will soon be over. As a foreclosure survivor myself, I’d like to encourage you to remain hopeful, and to understand that your future does not equal your past!
Thanks for reading this information about how to stop foreclosure. I hope you’ve found value here.
How To Stop Foreclosure - 3 Legitimate Solutions
October 23rd, 2009 Subscribe To Our Feed
A great resource: Stop Foreclosure In Houston
To Stop Foreclosure in nearly any city in the United States of America, there are basically only a few legitimate options. Some of these you’ll know, and some will be brand new to you.
Here are a few directions you can take:
- Sell your house prior to the foreclosure auction. The value of this idea will vary heavily depending on the nature and quality of your local real estate market. If you’re in a market that still has very slow resale rates, selling your home could be a challenge. Ask a local real estate agent to determine the average number of days on the market for properties in your area.
- Initiate a loan modification. A loan modification is a process through which your lender changes the payment terms of your loan to more closely match your ability to pay. While this is not a guarantee, loan modifications have become more popular in the last 12 months.
- Refinance the property. If you are not yet fully into the foreclosure process but have reason to expect you will fall behind on your payments, it may be wise to try to refinance your mortgage to a lower rate. If your property is worth less than the balance of the mortgage, you’ll want to inquire regarding a “short refinance”, which is when a lender forgives a portion of the debt against you in order for you to refinance your property and pay off the remainder of the debt you owe.
When you’re trying to stop a foreclosure, the key is fast action.
Warning: Be very wary of people who aggressively attempt to purchase your home for investment purposes. While there are many legitimate real estate investors, there has been a significant amount of fraud with “Stop Foreclosure” scams, and it is wise to be very, very careful.
Please remember: The crisis you now face will soon be over. As a foreclosure survivor myself, I’d like to encourage you to remain hopeful, and to understand that your future does not equal your past!
Thanks for reading this information about how to stop foreclosure. I hope you’ve found value here.
How To Stop Foreclosure - 3 Legitimate Solutions
October 23rd, 2009 Subscribe To Our Feed
A superb resource: Stop Foreclosure Houston
To Stop Foreclosure in nearly any city in the United States of America, there are basically only a few legitimate options. Some of these you’ll know, and some will be brand new to you.
Here are a few directions you can take:
- Sell your house prior to the foreclosure auction. The value of this idea will vary heavily depending on the nature and quality of your local real estate market. If you’re in a market that still has very slow resale rates, selling your home could be a challenge. Ask a local real estate agent to determine the average number of days on the market for properties in your area.
- Initiate a loan modification. A loan modification is a process through which your lender changes the payment terms of your loan to more closely match your ability to pay. While this is not a guarantee, loan modifications have become more popular in the last 12 months.
- Refinance the property. If you are not yet fully into the foreclosure process but have reason to expect you will fall behind on your payments, it may be wise to try to refinance your mortgage to a lower rate. If your property is worth less than the balance of the mortgage, you’ll want to inquire regarding a “short refinance”, which is when a lender forgives a portion of the debt against you in order for you to refinance your property and pay off the remainder of the debt you owe.
When you’re trying to stop a foreclosure, the key is fast action.
Warning: Be very wary of people who aggressively attempt to purchase your home for investment purposes. While there are many legitimate real estate investors, there has been a significant amount of fraud with “Stop Foreclosure” scams, and it is wise to be very, very careful.
Please remember: The crisis you now face will soon be over. As a foreclosure survivor myself, I’d like to encourage you to remain hopeful, and to understand that your future does not equal your past!
Thanks for reading this information about how to stop foreclosure. I hope you’ve found value here.
Some Plain Truths Regarding Debt Consolidation
October 22nd, 2009 Subscribe To Our Feed
There are very few things more stressful and frustrating than being faced with a continually mounting pile of debts and finding yourself strapped for cash and looking for a way out. With tough economic times like we are experiencing now, more and more people are having a very rough time with trying to provide the things they and their family members need for everyday living and paying the monthly payments they are obligated to pay.
Having a huge pile of debt without enough money to pay it down, may present a scenario where debt consolidation would be called for.
When using debt consolidation one can get rather confused and it can also leave a lasting mark on your credit, so debt consolidation may not be the best option for every borrower. When someone has several loans and credit card agreements they have fallen behind on and have little chance of catching up with, within the current conditions and terms agreed upon, debt consolidation is a good option for repayment. This might be the best thing to do if you have been considering filing bankruptcy proceedings because you owe all of these unpaid debts.
You can consolidate many types of debt, including credit card balances, personal loans, automobile loans, and private student loans. You must know that loans backed through the government such as the Stafford, the Perkins or the PLUS loans from the U.S. Department of Education will not be able to be consolidated under this type of loan agreement.
When it is time to decide how much they are willing to offer you for debt consolidation, the lenders will look at the total amount of debt you have accumulated. After your debt consolidation loan lender pays off all of your previous lenders you have chosen to cover under the consolidation, you will be responsible for repaying your debt consolidation lender.
Consolidating your debts will most likely give you a reduced interest rate as compared to that you are currently paying on credit card debt. Thousands of dollars could be saved and you could also be paying much less on the month than you did on the combined payments before the consolidation. You can use the extra cash saved to pay for the things you need and still not have to take on more debt.
debt consolidation or the thought of bankruptcy for some borrowers is good reason to consider credit counseling for people with this financial situation.
You could learn through credit counseling how to be a better steward of your credit and live on a budget without relying on loans and credit cards.
You could also save additional dollars on your debt consolidation loan if you would consider using an online lender. Online lenders not only have more money to loan borrowers of all credit backgrounds; they also tend to offer lower interest rates that will make your consolidation loan payment easier to manage.
A visit to Thistle Finance could help your personal finances by using the free articles and information such as ‘Fight Debt By Lowering Expenses‘ and more articles.
How To Stop Foreclosure - 3 Legitimate Solutions
October 20th, 2009 Subscribe To Our Feed
A great resource: Stop Foreclosure In Houston
To Stop Foreclosure in nearly any city in the United States of America, there are basically only a few legitimate options. Some of these you’ll know, and some will be brand new to you.
Here are a few directions you can take:
- Sell your house prior to the foreclosure auction. The value of this idea will vary heavily depending on the nature and quality of your local real estate market. If you’re in a market that still has very slow resale rates, selling your home could be a challenge. Ask a local real estate agent to determine the average number of days on the market for properties in your area.
- Initiate a loan modification. A loan modification is a process through which your lender changes the payment terms of your loan to more closely match your ability to pay. While this is not a guarantee, loan modifications have become more popular in the last 12 months.
- Refinance the property. If you are not yet fully into the foreclosure process but have reason to expect you will fall behind on your payments, it may be wise to try to refinance your mortgage to a lower rate. If your property is worth less than the balance of the mortgage, you’ll want to inquire regarding a “short refinance”, which is when a lender forgives a portion of the debt against you in order for you to refinance your property and pay off the remainder of the debt you owe.
When you’re trying to stop a foreclosure, the key is fast action.
Warning: Be very wary of people who aggressively attempt to purchase your home for investment purposes. While there are many legitimate real estate investors, there has been a significant amount of fraud with “Stop Foreclosure” scams, and it is wise to be very, very careful.
Please remember: The crisis you now face will soon be over. As a foreclosure survivor myself, I’d like to encourage you to remain hopeful, and to understand that your future does not equal your past!
Thanks for reading this information about how to stop foreclosure. I hope you’ve found value here.
