A recent industry required annual certification/inspection said of CFM: “Their retention rate is far beyond any of their competitors, and their commitment to their clients is clear. Operationally, they ... have many industry best practices in place.” In fact, CFM has the highest reported retention rate of any consumer credit counseling/debt management organization in the US. Why? Because seeking DEBT FREE LIVING GOD'S WAY makes a difference!

CONSUMER CREDIT COUNSELING FROM CHRISTIAN FINANCIAL MINISTRIES MAY BE FOR YOU IF YOU RECOGNIZE ANY OR ALL OF THESE FINANCIAL SYMPTOMS:

  • Your Relationship with God is stressed because whenever you sit down to read the Bible or pray, all you can think about are money problems.
  • You are behind on your bills.
  • Collectors are calling.
  • You are considering consolidation loans, second jobs, second mortgages or even bankruptcy.
  • You and those close to you argue over money.
  • Your credit cards are maxed out.
  • You pay one card with another.
  • You cannot otherwise adjust your income and expenses to pay your bills without help.

IS YOUR DESIRE TO BECOME A BETTER MANAGER OF ALL THAT GOD HAS PLACED UNDER YOUR CONTROL? INCLUDING YOUR FINANCES?

If it is, you must get into God’s Word to see, understand and apply what God has to say about financial management.

  • Why? Because financial difficulties are symptoms of spiritual problems. The way to deal with spiritual problems is to prayerfully search out and apply spiritual solutions found in God’s Word.
  • The Bible contains about 2,350 verses that talk about very practical, specific ways to earn, save, spend, invest and give money.
  • Biblical financial principles apply today if you have a little or a lot, if you are single or married, male or female, or if you are young or young at heart.

WHAT IS CONSUMER CREDIT COUNSELING?

  • You receive counseling and educational information on budgeting, personal finance, financial literacy, savings and spending practices, and the sound use of consumer credit.
  • If CCC is appropriate for you (please see the application process below) we will work directly with your unsecured creditors to set up a monthly Debt Management Plan. This highly personalized Plan will help stop collection calls, and greatly reduce or eliminate interest, late fees and over limit fees. Your monthly payments may be reduced by up to 50% or more without bankruptcy, a second mortgage or any new loans. The result? You get out of debt more quickly and pay less interest.
  • Your personalized Debt Management Plan becomes part of your monthly budget.
  • You send us one payment each month to cover your Debt Management Plan.
  • We send each creditor the negotiated amount.

ADVANTAGES OF CONSUMER CREDIT COUNSELING

  • You will learn to make informed lifestyle changes in order to better dump debt then work to build and pass on wealth.
  • CCC offers you convenience, security, and privacy!
  • You can have your single monthly payment transferred from your bank account or use a payroll deduction plan at work.
  • You select the creditors with whom you want to work.
  • Most creditors eliminate late fees and over limit fees, and reduce or eliminate interest charges.
  • Collection calls usually stop.
  • Your good CCC payment record serves as a positive financial reference.
  • Best of all, you begin a disciplined and organized approach to get out of debt and stay out of debt.

    WHY CONSUMER CREDIT COUNSELING THROUGH CFM? BECAUSE WE ARE DIFFERENT!

  • We will pray harder for you and work more with you than you expect. However, you must be willing to go deeper and stay longer than you expect.
  • Over time, you learn and apply biblical financial principles and biblically based budget applications to improve your short-term and long-term spiritual and financial health.
  • You will have available to you a full-range of Bible-based financial ministry education, training, counseling and coaching services all in addition to credit counseling.
  • You will not be just a "number" or even a "client" to us. You will be a unique individual who will receive personalized prayerful attention and the help you need over time as you work to dump debt and start to build and pass on wealth. We stress QUALITY service not quantity enrollments.

!!WITH US YOU CAN RECEIVE MANY EXTRAS--MUCH MORE THAN JUST CONSUMER CREDIT COUNSELING!!

EXTRA #1: COMPLETE FINANCIAL PLAN. You can work with us to put together ALL the elements of a COMPLETE FINANCIAL PLAN to include:

  • Written Cash Flow Plan
  • Emergency Fund
  • Debt Reduction Plan
  • Tax Reduction Plan
  • Will and/or Estate Plan
  • Retirement Funding
  • Investing
  • College Funding
  • Charitable Giving
  • Teach Your Children
  • Life Insurance
  • Health Insurance
  • Disability Insurance
  • Auto Insurance
  • Homeowners Insurance

EXTRA #2: PERSONAL COACHING TO HELP YOU UNDERSTAND

  • Credit bureaus and collection practices
  • The power of marketing on your buying decisions
  • How to buy only big, BIG bargains
  • Career planning and extra jobs
  • How to keep your home out of bankruptcy and foreclosure
  • How to unleash the Power of Generous Giving

EXTRA #3: FREE WEEKLY DEBT FREE LIVING GOD'S WAY, "PERSONAL FINANCIAL AND LIFE COACHING NEWSLETTER."

  • When you select Christian Financial Ministries as your Consumer Credit Counseling provider, you will receive what no other credit counseling office in the country offers: a TOTALLY FREE, weekly Bible-based PERSONAL FINANCIAL AND LIFE COACHING NEWSLETTER by email.
  • You'll receive your email newsletter and coaching sessions about every seven days. Your main email will give you some great life coaching and credit counseling unique information. Then, starting with your first email (and every other week thereafter for 26 weeks) you will receive Biblical financial principles coaching sessions. You’ll be able to read and comprehend each of the 26 Bible-based financial principles coaching sessions in about 10 minutes. You get the principles without all the fluff.
  • In alternating weeks (then every week after 26 weeks) you will receive practical application “Special Reports.” Right now we are developing over 100 individual coaching sessions in the following major areas:

Money
Credit
Investing
Saving
Retirement
How to buy bargains
How to get rid of debt
How to budget
Insurance
How to buy major purchases
College planning
How to deal with creditors and credit bureaus

Your practical application Special Reports will vary from several to many pages in length. You’ll receive DETAILED, well-researched, well-referenced information with lots of follow-on links.

We have offered this WEEKLY Debt Free Living God's Way, PERSONAL FINANCIAL AND LIFE COACHING NEWSLETTER FREE since 2007. Starting in 2010 this WEEKLY newsletter will have an annual $60 subscription price with a money-back, introductory price of $29.95. A MONTHLY newsletter will remain FREE. However, you will receive the WEEKLY newsletter ABSOLUTELY FREE for as long as you wish when you enroll in our Consumer Credit Counseling program.

CAUTION! CAUTION! CAUTION!

Many people find that a weekend financial seminar or financial Bible studies or small group programs are simply not enough. No matter how motivated you are, when it comes time to apply what you learn, you find that you continue to struggle and get farther out of control and deeper in debt. What you need is someone to come along side you over time.

One "time tested" resource is Consumer Credit Counseling (CCC). But beware!

  • Each year, hundreds of thousands of individuals just like you GET FLEECED by “approved, licensed, and certified” Consumer Credit Counseling (CCC) agencies.
  • These agencies promise to work with your unsecured creditors (credit cards, store charges, medical bills, etc) to set up a Debt Management Plan for you.
  • They tell you that this Plan will be designed to get you out of debt more quickly by lowering their monthly payments and interest rates and stopping collection calls, over-limit fees, and late fees.
  • Yes, these statements are all TRUE. But in truth, many of these agencies are only out to get your money. They tend to use Consumer Credit Counseling services to treat your financial symptoms; not develop a relationship with you over time to help you recognize and deal with the underlying problems. Some charge huge sign-up and monthly fees and provide little if any initial and follow-on personalized financial teaching, training, coaching or mentoring.
  • As a result, the IRS has revoked the 501-c-3 non-profit statuses of many of the largest national CCC agencies.

    No matter what you see on TV or hear on the radio, history shows that there are no “quick fixes” that allow you to dump debt then work to build and pass on wealth.

  • It takes time, energy, knowledge, teaching, training, coaching, mentoring AND POSSIBLY SOME LIFE-STYLE CHANGES! When you choose to receive CCC services from Christian Financial Ministries (Atlanta) you can receive ALL, not just some of these services.
  • We specialize in helping you learn to recognize and deal with the spiritual root problems over time then help you finally move past putting temporary "financial band-aids" on your financial symptoms.
  • Our Consumer Credit Counseling services help you make informed lifestyle changes in order to get out of debt and stay out of debt.
  • We also have a complete line of follow-on services that help you build and pass on wealth (please visit our home page).
  • In short, dealing with your root problems is the only way you can successfully work to improve your knowledge and skills to manage your financial resources.
  • You have come to the right place. We can Help! And we help in the right way!

SIX IMPORTANT QUESTIONS YOU SHOULD ASK!

Q#1: Will I still have to declare bankruptcy?

  • Give us a chance first.
  • Unlike the bankruptcy court, we will work with your creditors to help restore your good credit standing.

Q#2: How much will I have to pay for Consumer Credit Counseling through Christian Financial Ministries?

  • You and your CFM coach will discuss and mutually agree on reasonable set up and monthly fees that are consistent with the laws of your state. This minimum monthly fee helps us pay for part of our internal costs to set up and administer your Debt Management Plan (postage, paper, envelopes, check stock, bank fees, etc.). The minimum set up fee covers your education package, again, when permitted by the laws of your state.
  • You pay NOTHING EXTRA for the benefit of improving your credit record, credit history and/or credit rating.
  • You will receive FREE coaching on how to work with your creditors, read your monthly statements, and learn to adjust your spending habits in order to get on and stay on a personal spending plan, get out of debt, stay out of debt then work to build and pass on wealth.
  • You can receive our CCC services even if you cannot afford to pay a minimum monthly Debt Management Plan fee.

Q#3: What else do I need to know about Consumer Credit Counseling?

  • Your CONSUMER CREDIT COUNSELING credit history will become a good credit reference.
  • Some creditors may indicate on your credit report that you are working with a counseling agency or are involved in a negotiated repayment plan.
  • The accounts you place on credit counseling will be frozen to new charges.
  • You may still be able to receive mortgages and car financing.

Q#4: What can I expect from Christian Financial Ministries?

  • Please review our WEB home page for an overview of all the other services we offer. We are about 80% done with our site upgrade.
  • Christian Financial Ministries is an IRS approved 501-c-3 non-profit ministry. One of our purposes is to coach you regarding your personal finances. This includes (if appropriate) helping you deal with your creditors through our Consumer Credit Counseling (CCC) services. We do this based on the principles found in the Bible. This Bible-based approach is needed to reduce the negative impact of debt as evidenced by broken homes, crime, juvenile delinquency, loss of self-reliance and employment, bankruptcies and foreclosures, etc.
  • We have the highest reported Consumer Credit Counseling Debt Management Plan retention rate in the whole USA! As documented in a recent industry required annual certification/inspection, “Their retention rate is far beyond any of their competitors, and their commitment to their clients is clear. Operationally, they...have many industry best practices in place.” When you choose to work with us, history shows that you will continue to work with us until your Debt Management Plan is paid in full. One reason for this high retention rate is that historically we spend a great deal of time, over time, working with each of our counselees to discover DEBT FREE LIVING GOD'S WAY.
  • You will have available to you a whole host of in-house services and products to help you build and pass on wealth after you learn to first manage then dump your debt. These financial training and education programs are completely separate from our Consumer Credit Counseling Program.
  • All your CFM CCC coaches and mentors are paid professionals, certified by the National Association of Certified Credit counselors, trained by the Dave Ramsey organizations and/or Crown Financial Concepts/Ministries, have excellent oral and written skills, have the ability to perform independently in a multi-functional environment, and are required to improve their education and performance through self-directed, ministry, and/or “industry” required continuing education programs.
  • You also need to know that our ministry meets or exceeds all current and proposed state and federal laws, insurance, bonding, licensing, Board of Directors organizational requirements and guidelines.
  • Christian Financial Ministries is a faith ministry that receives voluntary tax-deductible gifts from the counselees, creditors, Support Partners, and Church Partners we serve. We provide many of our services and products for free, or for greatly discounted prices. We will not ask you to contribute to our ministry during the initial counseling process or while you are receiving CCC services.
  • We have fantastic professional relationships. We are certified by/members of/associated with/trained by the American Association of Christian Counselors, American Association of Debt Management Organizations, the American Family Association, Christian Financial Professionals Network, Christian Legal Society, Cobb County Community Collaborative, Cobb County Faith Partnership, GA Board of Examiners for Christian Counselors & Therapists, GA Christian Counselors Association, National Institute For Financial Counseling Education, Dave Ramsey and/or Crown Financial Ministries, The Department of Housing and Urban Development (HUD),and The Georgia Department of Community Affairs. CFM holds Certificate No. FS 59958 and operates a quality management system which complies with the requirements of BS EN ISO 9001:2000. CFM undergoes annual certified financial audits by a licensed CPA firm. CFM meets or exceeds any/all applicable federal, state(s) and local statute, licensing, insurance and/or bonding requirements.

Q#5: What MUST I expect from myself?

  • Plan to spend time with us. While we prefer to work with you face-to-face, we have great success working long distance using a combination of technologies to include telephone, e-mail, Internet assisted tele-conferences, and video conferencing.
  • You must have successfully completed our Personal Financial and Life Coaching program (as certified by your Personal Financial and Life Coaching coach) OR present a completion certificate for either Dave Ramsey's "Financial Peace University" or the Crown Ministries financial education small group program.
  • You must complete a detailed CCC Application––your personal CFM coach will help. This application requires such information as your current spending patterns, living expenses, debt load, goals, objectives and expectations.
  • After you submit your CCC Application, you and your personal coach will assess and evaluate the following: (1) amounts spent on budget items that appear to be over or under normal levels, (2) spending patterns and use of credit, (3) budget items that should receive priority (tithing, housing, food, transportation, and clothing), and (4) the status of your mortgage or rent payment.
  • You and your coach will then discuss various courses of action we believe you should consider. This may include (1) a direct referral to a more appropriate agency, or (2) we may suggest ways you can work on your own to adjust your spending habits to pay all your current financial obligations––this may include cutting your expenses and/or increasing your income, however (3) if we find that you have enough income to pay your necessary living expenses but not enough to pay your full regular unsecured payments (credit cards, doctor bills, store charges, etc.) we may recommend a CCC plan through our office.

Q#6: How do I get more questions answered or start my Consumer Credit Counseling Program?

  • First, please give us a call to discuss your personal financial situation and our education requirements. (Please see our "Contact Information" below.)
  • Then, you will need to complete the Consumer Credit Counseling Services Application Package. NOTE: We will only process this Application Package when you have completed the required financial education and training requirements.
  • A Christian Financial Ministries Counselor will process your application and get back in contact with you within two business days (10:00 A.M. to 3:00 P.M. Monday through Thursday, EST).

FINANCIAL FREEDOM GOD'S WAY IS POSSIBLE--FOR YOU! NOW!

  • Managing your finances really shouldn't be a struggle. The financial areas of your life should be freeing, not restricting. You life will be a lot more enjoyable and rewarding when your financial decisions are pleasing to God. You can experience closer family relationships, a debt free lifestyle (including your home), savings for future needs and retirements, and a plan to pass-on part of your wealth to family members and worthy ministries and organizations.
  • So, why not get on the path to Financial Freedom God's Way NOW by starting to seek help from Christian Financial Ministries. You can learn Godly principles, receive Godly counsel and apply Godly applications that will help you understand the forces behind your financial distress, get on a budget, set realistic goals, and help make things right for you and your family--spiritually, financially and emotionally--for good!
  • START NOW!

Christian Financial Ministries Contact Information

  • Address: 302 Old Clay Street, Marietta, Georgia, 30060
  • Office Hours: 8:00 A.M. to 5:00 P.M. (EST) Monday through Friday
  • Telephone Response Hours: Between 10:00 A.M. and 3:00 P.M. Monday through Thursday
  • Telephone: 678-797-9444 or 1-800-895-0512
  • Fax Number: 678-797-9447
  • Telephone Voice Mail: Available 24/7. We will get back to you ASAP.
  • Internet Site: www.good-steward.org
  • Email Address: good.steward@good-steward.org

 

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