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Christian Debt Counselors

Christian Debt Counselors offers a free consultation and are available nationwide. The company is relatively new, having been in business since 2007.

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0.9
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Our Score
0.9
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Ratings Breakdown

Price

monthly fee
Undisclosed

Up-Front Fees

setup & activation fees
Undisclosed

Free Consultation

is one included?
Yes

Time in Business

total # of years
10 years

Credit Counseling

do they offer credit counseling services?
Yes

Certified Credit Counselors

are there certified counselors on staff?
No

ISO Certified

is this business ISO certified?
No

Number of Reviews

User reviews here on BDC
0

This Review is maintained by Chase Sagum

Review Last Updated: January 5, 2017

Christian Debt Counselors specializes in debt consolidation based on Christian principles. Although this company offers some of the lowest interest rates on debt management plans that we have seen, it hasn’t been in business for very long and lacks many key industry accreditations. Potential customers can call for a free consultation to see if Christian Debt is the right fit for their circumstances. 

Rank Chart
Monthly Price
Accreditations
Review

#1

Up to $69
FCAA & ISO

#2

$10-$40
AFCC & IAPDA

#3

$10 - $49
ISO

#31
christian-debt-counselors

Undisclosed
N/A

The Good

  • Average interest rate 6.93 percent
  • Free consultation
  • Available nationwide

Great Interest Rates

The best positive aspect about working with Christian Debt is the average interest rate on its debt management plan. The average interest rate is 6.93 percent, which is among the lowest we’ve seen from any company. This low rate will allow clients to save bundles of cash over the high interest rates featured on most credit cards. In addition to lower interest rates, clients will also find they will be paying a lower monthly amount than they were paying before enrolled into the program. Christian Debt Counselors claims some clients have seen up to 50 percent reduction on their monthly payment.

Availability

Another great aspect to working with Christian Debt is that they are available nationwide. A lot of great companies in the industry do not have this reach. This makes their services available to a lot more potential customers who are in need of debt relief. Christian Debt also provides a free consultation for potential customers to talk to a counselor and figure out if Christian Debt’s services are the right fit for their circumstances.
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The Bad

  • Short time in the industry
  • Lacking accreditations
  • No refund policy

Short Time in Business

The fact that Christian Debt Counselors opened doors in 2008 makes it one of the newer companies in the industry, meaning it has less experience than most of its competitors. This isn’t a deal breaker, but it should be considered when making a final decision.

No Accreditations

The biggest drawback to the company is that it doesn’t carry any major industry accreditations, and its debt counselors don’t appear to be certified by any institution. The lack of accreditations may call into question the business practices used by the company. We would prefer to see Christian Debt Counselors hold accreditations from the major accreditors such as AICCCA or the NFCC.

Unknown Refund Policy

One of the things we like to see from companies in this industry is a refund policy. We were not able to find a refund policy from Christian Debt Counselors, which usually means there is not one offered.

Want to see the top rated Debt Consolidation Companies? Click Here

The Bottom Line

Overall, Christian Debt Counselors does offer attractive interest rates, and is available nationwide. However, the lack of accreditations and short track record make it difficult for us to recommend the company. Although Christian Debt features a free consultation, we recommend checking out our Top Recommended Debt Consolidation Providers who also offer free consultations and have more experience in the industry.


About Christian Debt Counselors

Christian Debt Counselors is a debt management company that offers financial services with basic Christian principles. Christian Debt Counselors offers both debt consolidation and debt settlement. With debt consolidation, Christian Debt Counselors provides its customers with a counselor who will help them create a debt management plan that consolidates their unsecured debt into one monthly payment and negotiates an interest rate reduction. With Christian Debt Counselors debt settlement service, customers are connected with a nationwide attorney who negotiates with the creditors on reducing the total debt amount due to the creditors as an alternative to bankruptcy.

Price

Prices are undisclosed at this time.

 

Up-Front Fees

Prices are undisclosed at this time.

Free Consultation

Yes

Time In Business

10 years. Christian Debt Counselors has been helping Christian families get out of debt since 2007.

Debt Education

Education is a weak point for this company. Customers could benefit from additional resources and educational tools.

On the phone, however, agents are able to explain the various laws and situations that affect your specific state and situation.  This information would be helpful online or blogs, social media, etc. could help consumers learn about consumer debt and ways to get out of debt’s snare and to avoid it in the future.

Money Back Guarantee / Cancellation Policy

For the debt consolidation program, you are able to withdraw at any time and there is no penalty.  The maintenance fees are paid monthly, and are simply not paid. Our advice is to get this hashed out and in writing before making a commitment to work with any debt relief company.

Unsecured vs. Secured Loans

Christian Debt Counselors can help with unsecured debt and federal student loans (However we recommend being VERY CAREFUL when paying for any federal loan services – The government offers a free consolidation program), which are two of the big areas in which most families need help.

Mobile Friendly

They do not currently maintain a mobile friendly website.  On a tablet, the site is viewed with little difficulty, but there is some swiping needed to see the entire page. Not optimized for They do not currently have a mobile app available for IOS or Android.

Contact Information

E-Mail:

None listed on website or on other sources researched online.  A contact form is available on the website to securely email representatives from Christian Debt Counselors.

Address:

400 S Dixie Hwy Suite 220

Boca Raton, FL 33432

Business Hours:

Debt Consolidation and Debt Settlement Departments

Monday – Friday 6:30am – 8:00pm

Saturday – by appointments

Types of Services Available

Debt consolidation or credit counseling is appropriate for those people with high credit card interest rates, large medical bills and a desire to pay off their debt with a lower monthly payment.  Debt consolidation or credit counseling can help raise your credit score because your payments will be made on time every month (provided you send your money to the credit counseling agency).  Your interest rates can be drastically lowered as well as your monthly payments.  Many people facing financial hardship select this route.

Debt consolidation is a good starting place, and is a good step to improve one’s credit during temporary difficulty.  However, sometimes the leak in the dam is too big and has gone too long.  In this case, it may be necessary to take steps to avoid bankruptcy.  One of these is establishing a Debt settlement plan.  Debt settlement can be harmful to your credit rating (although not as much as bankruptcy).

The attorneys for Christian Debt Counselors negotiate with your creditors in an attempt to lower the amount of debt that you are responsible to pay and to help you avoid bankruptcy.  Creditors often accept settlements because they are aware that in bankruptcy, they will likely not receive any of the debt which you owe.

Another tool used by Christian Debt Counselors is to assist clients in putting their financial house in order is to help with student loan debt.  In spite of the lower interest rates for these government loans, the debt burden can be great as families struggle to make their payments.  Options such as student loan consolidation, loan forgiveness (for some borrowers) and income sensitive repayments are employed to help reduce the burden of student loan debt.

Minimum Debt Accepted

For credit counseling, the minimum debt per creditor is $300, debt settlement the total debt owed must be at least $12,000 and for federal student loans, the different programs require different totals in the number of loans, the total amount owed and the current income to qualify.

Online Dashboard

All debt management is handled by Christian Debt Counselors’ partners, so they do not offer an online dashboard to monitor debt.

CPFC Certified

Christian Debt Counselors’ financial advisors are not CPFC certified. Each advisor has financial training, but they are not required to have certain certifications.

ISO Certified

Christian Debt Counselors is not ISO certified.

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Poll

  • When looking for a debt settlement company, which of these two aspects is most important to you?
  • Takes your existing debt and try to settle with your creditors for a lower amount. If you pay off the settled amount, your debt will be considered paid in full.
  • Negotiates with your creditors on your behalf.
  • Fee based on a percentage of your total starting debt or a percentage of the debt they save you.
  • Most settlement companies have you create a separate "escrow" account where you will make monthly contributions over a certain amount of time to contribute to your settlement. Once there is a substantial amount of funds to show your creditors, the settlement company will try to negotiate a lower amount of debt.
  • Combines all your debts and creditors into one monthly payment.
  • Allows you to pay one monthly payment to the consolidation company, instead of multiple payments to different creditors.
  • You no longer owe your original creditors; instead you pay one monthly payment to your consolidation company.
  • Consolidation companies can help negotiate lower interest rates on your debts and help lower your total debt payment in the long run. A lower interest rate will lower the amount you owe in the end.
  • Allows you to consolidate all your different debts into one personal loan that can be paid off over time.
  • Can offer borrowers a lower interest rate with a longer payback term (compared to high-interest credit cards or medical bills). This will lower the amount of money required to pay off the loan over time.
  • Personal loan debt consolidation can be an effective way to raise your credit score quickly (within 3-6 months).
  • Borrowers can receive funds from their loan within only a few days.

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Our Score
0.9
User Score
--
Rank this Company

Ratings Breakdown

Price

monthly fee
Undisclosed

Up-Front Fees

setup & activation fees
Undisclosed

Free Consultation

is one included?
Yes

Time in Business

total # of years
10 years

Credit Counseling

do they offer credit counseling services?
Yes

Certified Credit Counselors

are there certified counselors on staff?
No

ISO Certified

is this business ISO certified?
No

Number of Reviews

User reviews here on BDC
0
Our Score
9.3
User Score
9.5
Rank this Company

Ratings Breakdown

Price

monthly price range
Up to $69

Up-Front Fees

setup & activation fees
Up to $49

Free Consultation

is one included?
Yes

Time in Business

total # of years
24 years

Credit Counseling

do they offer credit counseling services?
Yes

Certified Credit Counselors

are there certified counselors on staff?
Yes

ISO Certified

is this business ISO certified?
Yes

Number of Reviews

User reviews here on BDC
501