What does the Bible have to say?
Perhaps the most important, yet most difficult, aspect of our Credit Card Relief Education (CCRE) program has to do with what the Bible says about money, debt, usury (interest), repayment, forgiveness, and a host of other equally relevant topics.
As a company owned and operated by Christians, and because many (if not most) of our Clients are Christians, our prayer at Integrity Debt Solutions is that you will take some time to patiently and thoughtfully explore this page as we attempt to share what we have learned from hundreds of hours of study of both the Bible (God's revealed word) and the moral issues surrounding the CCRE program.
While not an exhaustive study of the topics, this page will hopefully explain the major reasons why we believe that CCRE is not an unbiblical service nor is it encouraging irresponsibility, "debt avoidance", or the like. In fact, it's quite to the contrary! Our goal for our Clients is to negotiate a drastically reduced amount (which the banks agree to settle on) and/or show our Clients how they can position and protect their families implementing EXISTING consumer protection laws unique to the state of Texas. We encourage you to read on . . .
The concept of forgiveness . . .
Much like the concept of having your sins forgiven by Jesus Christ's death on the cross (covering a debt we could not pay), so too does the CCRE process strive to forgive/reduce a debt that holds people in bondage setting them free from something they may never be able to pay.
When a person realizes that he or she is a sinner that needs to be saved, receives forgiveness, and starts life as a new creation in Christ, the realization of this spiritual truth serves as motivation to love the Lord with all your heart, mind, and strength - committing never to return to the past lifestyle. This is what being born-again is all about!
Allowing the CCRE process to serve you and your family and "forgive" as much of your debt as possible will hopefully motivate you to never again become enslaved to the worldly system of credit card debt. Our prayer is that you will then have the freedom and desire to follow biblical principles that have stood the test of time!
It is our hope and prayer that having an overwhelming financial burden forgiven will save marriages, alleviate undue stress, reduce serious health problems (both physical and emotional), and most importantly restore a deep spiritual relationship with God that has been lost or damaged.
With love and appreciation now motivating the church, perhaps the body of Christ will now make giving (a lost biblical mandate!) of primary importance!!
A Simple Parable. . . .Receiving and Accepting the Blessing!!
As Jesus often taught in parables to illustrate a deeper truth, please allow us to share with you a simple parable that perhaps will shed some light into the issue of debt in specific relation to credit card companies.
Imagine that, over the years, your neighbor Joe has graciously loaned you $20 here and there to cover gas fill-ups, a hot dog and lemonade at the ballpark, and other little events that found you short on cash. Each time you paid him back and your record of stewardship in Joe's eyes was solid.
However, one particular month you find yourself very much behind on your bills and, needing some money to get you through the month, you approach dependable Joe saying, "I'm really embarrassed to ask you this Joe, but things are very tight for us right now and we're finding ourselves in a bit of a bind. Could you loan us $1000?"
With his usual willingness, Joe hands you ten $100 bills and says, "No problem, you have always paid me back before, so I have no reservations about helping you. In fact, I'm glad to do it!" You take the money and pay your energy bill, purchase some groceries, and send some checks to several creditors – all the while feeling relieved that you’re caught up on things, but still feeling a pang of guilt because of the “debt cloud” hanging over your head.
Several months later, you happen one day to look out your living room window only to see Joe walking towards your door with a big grin on his face! You see him coming, ask what the happy smile is all about, and invite him in.
He goes on to explain that he understands the difficult financial times your family has been going through and offers to settle your debt for $400 – wiping out and forgiving the remaining $600.
How would you feel? Relieved? Excited? Grateful? Of course you would feel ALL of the above emotions – and maybe more!
And the credit card companies are willing to make similar kinds of deals, but the most important part the entire deal is this: you need to know how to deal with them. You need to know when they are telling the truth and when they are “exaggerating”. You need an “advocate” on your side who can think past all the stress, worry, and fear you’re experiencing. You need to go through the appropriate channels and you need someone who has the expertise, the experience, and the pit bull negotiators all working together to help you receive the maximum discount!
That’s where Integrity Debt Solutions comes in. We’re on your side and we understand the hardship you’re going through and we know exactly what to do about it. We will counsel you from a biblical standpoint and from the standpoint of serving hundreds and hundreds of other Texas residents since 2005.
Every Christian's Goal. . . .
The Christian's goal and desire in our opinion should be to owe nothing to anyone except to love one another (Romans 13:8) and not be a slave to money (Matthew 6:24), but a bond servant of Christ (Colossians 4:12, Romans 1:1).
Credit card debt (and any debt) takes away our freedom and makes us a slave/servant to that which is unbiblical and ungodly. We should do whatever we can - legally! - to get out of these situations (repent?) and do a 180 degree turn to remove ourselves from this worldly bondage.
We ask that you prayerfully consider all of this information as well as consider calling us to learn more - we would greatly value the opportunity to serve you and your family. Thank you in advance and God Bless!
A List of Scriptures to Consider. . . .
(All scripture is from the New American Standard Bible - NASB)
Nehemiah 5 - "Usury Abolished" is the title of this section where God commands the forgiveness of money/debt and usury....a must read!
John 8:32 - "...and you shall know the truth, and the truth shall make you free."
Hosea 4:6a - "My people are destroyed for lack of knowledge."
Proverbs 24:5-6 - "A wise man is strong, and a man of knowledge increases power. For by wise guidance you will wage war, and in abundance of counselors there is victory."
1 Timothy 6:10 - "For the love of money is a root of all sorts of evil, and some by longing for it have wandered away from the faith, and pierced themselves with many a pang."
Exodus 22:25 - "If you lend money to my people, to the poor among you, you are not to act as a creditor to him; you shall not charge him interest."
Leviticus 25:36-37 - "Do not take usurious interest from him. . . . you shall not give him your silver at interest, nor your food for gain."
Deuteronomy 23:19 - "You shall not charge interest to your countrymen: interest on money, food, or anything that may be loaned at interest."
Deuteronomy 28:12 - "The Lord will open for you His good storehouse, the heavens, to give rain to your land in its season and to bless all the work of your hand; and you shall lend to many nations but you shall not borrow."