What is credit counseling?

The credit counseling process starts with a 1 to 2 hour face-to-face appointment with one of our Burkett-trained counselors. In this session, the counselor will go over your monthly budget, evaluate your indebtedness and help you develop a better spending plan. To schedule an appointment, click here.

For clients with credit card or other unsecured debt this means enrollment in the industry-recognized Debt Management Program, a spending plan that consolidates all unsecured debt into one monthly payment without getting a loan or acquiring any new debt. Most clients, using this method of debt repayment, become debt free in 3 to 7 years. Recent disclosure from credit card companies states that average repayment time on a card with a debt of $1400 is 20 years! Along with the savings in time, the Debt Management Program saves enrollees thousands in interest payments (since credit cards accrue interest over time, and paying cards off sooner limits the amount of interest that can be charged).

Many clients find the free budgeting tools and spending principles provided in the counseling sessions actually empower them to stop living in the servitude of debt and start living in the servitude of God. And in the end this is truly the mission of Christian Financial Services: helping people to understand and live out Godly principles of finance. The first step to being debt free is credit counseling through Christian Financial Services!

Educational Services

Monthly Seminars in Houston, Austin and San Antonio have begun! One to two day educational seminars for churches, businesses or private institutions are available, and can be scheduled here.

Free workbooks are provided to attendees, and appointments can be made the same night. In addition to these classes, CFS also provides educational books at cost to interested clients, including Larry Burkett's How To Manage Your Money and the book written by our founders for Christian Financial Services, Biblical Principles On Finances.

Our staff is available Monday through Friday to provide information and help in any areas we can at no cost to the client (for information about Christian Financial Services in other cities, click here). Next to a cultivating your relationship with God, we consider education the most important element of our ministry and strive to provide all information necessary to lead a biblically sound, debt-free life.

Matthew 11:28-30

"Come to me, all you who are weary and burdened, and I will give you rest. Take my yoke upon you and learn from me, for I am gentle and humble in heart, and you will find rest for your souls. For my yoke is easy and my burden is light."

ACCE On-line Courses

The American Center for Credit Education is dedicated to helping people change their lives by giving them the basics about budgeting, good credit and debt. ACCE is the leading publisher of financial education programs.

Proverbs 10:22

"The blessing of the Lord brings wealth, and he adds no trouble to it."

Real wealth is what God blesses us with. Only God's wealth is given without worry, anger or fear.

Psalm 37:4

"Delight yourself in the Lord and he will give you the desires of your heart.


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