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Compassionate Christian Debt Settlement Solutions

Guiding you with faith and empathy to financial freedom since 2012.

Discover a Path to Peace with FaithWorks Financial

For over a decade, our Christian debt relief agency has connected clients with top-rated debt relief providers. Here’s what sets us apart:

No-Pressure Consultations:

Learn about debt settlement and other solutions in a free, no-pressure session. You’ll never be asked to make a decision in your first call. You deserve time to think, pray and make an informed decision.

Shared Values:

Our focus is on resolving debt, but we hope to uplift your spirits along the way. Work with a debt counselor who understands and respects your faith journey.

No Up-Front Fees:

When it comes to debt settlement, our network of providers are performance-based, meaning they only earn a fee once they’ve settled your debt. Fee’s are factored into your payment but are not collected until they’ve been earned, a model that ensures your success.

Purpose Before Profit:

We’re here to help you find the best solution, not just to make a profit. If we see a better option outside of our network, we’ll let you know.

Effective Debt Settlement:

Reduce your payments and resolve your debt faster and easier than you thought possible.

Eligibility and Criteria

Eligible Debts:

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Credit Cards
Credit Cards
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Medical Bills
Medical Bills
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Unsecured Personal Loans
Unsecured Personal Loans
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Collection Accounts
Collection Accounts

Ineligible Debts:

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Student Loans
Student Loans
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Secured Debts
Secured Debts
(e.g., Car Loans, Home Loans)
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Secured Debts
Debts to Family or Friends
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Government-Backed Debts

Debt settlement services are designed for those with at least $10,000 in unsecured debts. All cases are situational, but accounts eligible for debt settlement generally include credit cards, medical bills, repossessions, and other unsecured debts.

Unfortunately, debt settlement does not generally handle student loans, secured or government-backed debts, or debts to family and friends.

For help with these, consider a debt consolidation loan or loan refinance through our partnership with SuperMoney.” Learn More

Don’t just take our word for it, hear how others have achieved financial relief and peace of mind through our services.

Here’s who typically benefits

Debt settlement may be for you if:

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Unmanageable Debt: Ideal for individuals with $10,000 or more in unsecured debts, such as credit cards, medical bills, and personal loans.
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Financial Hardship: Best for those who are struggling with high monthly payments and are experiencing financial distress.
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Desire a Clear Path: Suitable for individuals seeking a structured program to resolve their debt. We’ll clearly present all costs and terms of any program well before you are asked to make any commitment. We believe in transparency and always encourage time for you to make thoughtful educated decisions.
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Debt Pressure > Credit Need: Debt settlement is best for those who know that resolving unmanageable debt may be worth a credit sacrifice to gain long-term stability. Credit is a tool and not all tools are needed in all seasons.
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You Are Already Delinquent: If you are already behind on your debts, you likely don’t qualify for a Debt Management Plan or debt consolidation loan. Settlement offers a plan of action to resolve the delinquent debt.
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Willingness to Negotiate: Effective for those open to negotiating with creditors to reduce their total debt amount. Results will vary and some creditors are more difficult than others, but most debt settlement programs will claim and aim to resolve your debt for about half of what is owed, before fees.

Debt settlement may not be for you if:

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Your Debt is Less Than $10,000: Debt settlement typically works best for individuals with higher unsecured debt amounts.
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You Can Manage Payments: If you are able to make your monthly payments without significant hardship, other solutions like debt management may be a better fit.
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You Can’t Imagine Missing Payments: If you are able to stay current, that’s always the goal. Debt settlement is an aggressive approach that’s meant for hardship situations and the process does involve accounts falling behind. While there is a plan in place to settle the debt, some may find non-payment too uncomfortable.
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You Prioritize Credit Over Debt Relief: If maintaining or improving your credit score is your top priority, debt settlement may not be ideal since it often involves a temporary dip in credit scores due to an initial history of non-payment.
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You’re Looking to Settle Government or Student Loans: Debt settlement does not cover student loans, tax debts, or other government-backed debts.
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You Can’t Afford a Monthly Payment: Even though debt settlement is among the most cost effective solutions, it does require a regular and committed monthly payment. If you cannot afford a reasonable monthly payment, bankruptcy may be a more suitable option.

Take the first step towards

financial freedom.

At FaithWorks Financial, we’re here to lend a hand, not just in spirit, but in connecting you with the right debt relief solutions. We’re a third-party matchmaker—think of us as your guide to navigating financial peace. While we don’t provide debt settlement services ourselves, we work with a network of trusted experts who do! And don’t worry, our advice is 100% free to you. We get paid by the service providers, but this never changes what you pay. We’re all about purpose before profit. Got questions? Check out our privacy policy at [link] or drop us a line at [email protected]. We’re always happy to chat!

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