I had numerous recent conversations regarding credit card and other debts. I help folkout out debt on the daily. While I pray and pour libation for your financial-FREEdom I submit this for your consideration. Here's the road to FREEdom. Let me start Biblically.... Romans 13:8
"Owe no man any thing, but to love one another: for he that loveth another hath fulfilled the law." - KJV
"Let no debt remain outstanding, except the continuing debt to love one another, for he who loves his fellowman has fulfilled the law." - NIV
If you are one who follows the Bible I invite you to consider that passage.........Cool..... Time up. I'm not pushing a certain translation or interpretation. However, it seems pretty clear that this particular passage warns Bible-followers to remain away from debt and to pay their debts. What's crazy to me is I've met and interacted with numerous self-described Bible-followers who aovid creditors calls, who have crazy amounts of debts, who have gone to court for collections, and who have had to move numerous times due to not paying their rent. One of the most difficult moves in acheiving financial FREEdom is dealing with debts. Here's one solution:
My debt-destruction partner Dinh Nguyen and I provide a service that can reduce the amount and interest rate on debts. The ability to assist clients is fact dependant (It doesn't work for everyone - it depends on a few considerations) but when it works it works. To learn more about the process contact Dinh by calling 1-800-470-8155 ext. 141 and he will review the terms and see if it will be a good fix for you.
If your debts are greater than your income I would suggest considering our strategy and also considering the National Foundation for Credit Counseling (http://nfcc.org/) and requesting a Hardship DMP (Debt Management Plan) which may reduce your interest to 0%. Today I listened to a Clark Howard episode (01.24.13 - Here is the download link) where he correctly advised the same. Currently my family is using the Debt Snowball approach, as described by Dave Ramsey and my financial fav' Michelle Singletary, which sets one in a process of payiong off the smallest debts towards the largest debts to effectively 'Flee From Debt !" Whatever approach one uses, GET OUT OF DEBT. The good life awaits you ! Be blessed, stay blessed, be a blessing.
One last thing, If you know me personally.......Yes I do read and refer to the Bible. Don't be shocked ! I follow tried and true approaches.............. Hotep & Ashee !
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