Who needs credit counseling from Abundant Life?
Anyone who answers, "Yes" to any of the questions on the "Have Problems" page. Financial bondage can occur no matter how much you make, and it can destroy your health, your happiness, and your family if you refuse to deal with it.

Can I afford your counseling services?
There is absolutely no charge for our budget and credit counseling services. There is a $25 sign up and a $30 per month administrative fee if you choose to pay your creditors off through our program. This can be waived in cases of extreme hardship.

How will this affect my credit?
Some creditors will put a note on your credit report that you are working with a credit counselor. If you are behind on your payments, your credit rating will improve as you make payments on time through our program.

Do you provide us a loan to pay off creditors?
No, a loan is too expensive and only "restructures" your debt. If it is a home equity loan, it puts your home at risk for credit card debt, which is not wise. We provide a debt repayment plan that will actually pay off your existing debts without taking on a new one.

What about filing for bankruptcy?
Bankruptcy should only be done as a last resort after every option has been exhausted, and then only if the financial strain is affecting your mental and physical well being or your creditors force you into it.

How do I get started?
By submitting a request for an application from our Application for Assistance.

Why should I choose Abundant Life instead of some other credit counselor?
Here are some reasons:

• We are a ministry devoted to helping people get out of and stay out of debt. We are not just a business.
• We are Christian and are qualified counselors and leaders, having been certified by the Larry Burkett "Christian Financial Concepts" financial counselors course and the Crown Ministries small group Bible study leaders course. We are also certified by the Association of Independent Consumer Credit Counseling Agencies and the National Institute For Financial Education as Credit Counselor.
• We really do care about you, your well being and your contentment.
• You can schedule an in-person appointment at our office at the Encourager Church on the west side of Houston, or we can help you by mail, fax/e-mail and the telephone.