Some people may feel more comfortable seeking Christian debt counseling rather than secular debt counseling. There are a number of these services, many of whom have websites. Their claim is that they provide biblical Christian debt counseling for families, including budget analysis, payment options, debt consolidation, bankruptcy, and personal loans, and they say they do it in a non-judgmental way. Most do not file bankruptcies or issue loans.

The underlying belief of many of these Christian credit counseling firms is that God doesn't want you to have debt. Their fundamental thesis is that financial difficulties are symptoms of spiritual problems, and the answer is to pray and search out spiritual solutions to financial problems. One company claims that the Bible contains over 2,300 verses that contain very practical ways to deal with money (including tithing).

Some firms will set up payment plans or rate reductions with various creditors. You then send the Christian debt counseling service a check every month from which they will pay your bills. A Christian debt counseling service called Christian Financial Ministries (CFM) promises to "pray harder for you and work more with you than you expect" to teach you to use biblical financial principles and biblical budget advice to fix your finances both long term and short term. CFM says that you will receive "personalized prayerful attention" to help you get rid of debt and pass along all the wealth you'll end up with. Apparently, God has used this type of counseling to fund their ministry services in the past.

So if you believe your debt problem is due to the wrong spiritual practices or if you don't trust non-Christian credit counselors, then looking into Christian debt counseling could be a good choice. Be prepared to have a close and personal relationship not only with God but with your Christian debt counselor team as well.