If you have questions about our debt settlement or credit counseling programs, you're not alone. You will find the answers to some of these questions below. We have established a list of the most frequently asked questions regarding our programs, and our friendly financial counselors have provided the answers.
If your questions are not answered, please feel free to call us at 1.800.913.0121. You can also click here to send us an email and we will be happy to answer any questions you have.
 
Q1:
 What is Credit Counseling?
Q2:
 What is Debt Settlement?
Q3:
 What is need Financial Education? Why do I need it?
Q4:
 How long will one of your program take to straighten out my financial situation?
Q5:
 How is my credit report affected by enrolling in one of your programs?
Q6:
 When I enroll in one of your programs, what will happen to my current accounts, can I still use them?
Q7:
 Is my debt information kept confidential?
Q8:

Will I be able to track the progress of my program?
Q9:
 Do I have to include all of my creditors into the program for settlement or counseling?
Q10:
 What if my creditors won't work with you?
 
Q1:
 What is Credit Counseling?
Answer:
 Credit Counseling is professional counseling provided by Christian Discount Debt Solutions that helps consumers find ways to repay their debt - through careful budgeting and management of money. In our credit counseling program you pay off your debt in full, but often at drastically lower payments and reduced interest rates.
 
Q2:
 What is Debt Settlement?
Answer:
 Debt Settlement is a professional service provided by Christian Discount Debt Solutions where we work with creditors on your behalf to actually settle the full balance you owe to your creditors for a reduced amount.
 
Q3:
 What is need Financial Education? Why do I need it?
Answer:
 Financial Education is the process by which individuals and families acquire the information and gain the skills necessary to take control of their personal finances. If you are currently in any stressful financial situation, you need to learn the tool necessary to avoid ending up in a similar situation again in the future.
 
Q4:
 How long will one of your program take to straighten out my financial situation?
Answer:
 The amount of time you are enrolled in one of our programs actually depends on a number of factors, including total debt amount, number of creditors, available funds and which program your are enrolled in. During your financial consultation, we will establish an affordable monthly payment with our representative that will determine how long the program will take.
 
Q5:
 How is my credit report affected by enrolling in one of your programs?
Answer:
 You should be aware that your creditor report might show your participation in our credit counseling or debt settlement programs. It is possible that this could impair your ability to obtain additional credit accounts while you are enrolled in one of our programs.
 
Q6:
 When I enroll in one of your programs, what will happen to my current accounts, can I still use them?
Answer:
 Once you enroll in our program you are not able to use your accounts.
 
Q7:
 Is my debt information kept confidential?
Answer:
 We are 100% committed to maintaining complete confidentiality. Your information will not be released to anyone except those persons authorized by you to receive information on your behalf. Of course, the creditors will be advised by us that you have contracted our service to assist you.
 
Q8:
 Will I be able to track the progress of my program?
Answer:
 Of course. You can call us at 1.800.913.0121 between 8 am - 7 pm EST to speak with a qualified financial counselor. You will also receive quarterly reports that will keep you informed of the activity on your personal settlement account.
 
Q9:
 Do I have to include all of my creditors into the program for settlement or counseling?
Answer:
 You should keep one credit card open for emergency use only and to help strengthen you credit rating once you have finished your program.
 
Q10:
 What if my creditors won't work with you?
Answer:
 This is a very unlikely situation, in that creditors know that if they do not work with us to pay off your accounts they will likely not receive any payment on the account for a long time or ever.