Biblical View

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 un-biblical 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 from the very shady and questionable practices of the banks/credit card companies. 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 principals 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!!


What does the Bible say about our CCRE program from a pastor’s perspective?

Listen to the audio presentation below now to hear exactly what an educated and informed pastor has to say about our CCRE program from the perspective of the Bible and scriptural principals . . . you’ll be pleasantly surprised and encouraged!




A Simple Parable. . . .Real or Counterfeit?
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 – each time the vendors accepting payment with no problem whatsoever.

Several days later, you look out your living room window only to see Joe being lead into the back of a squad car handcuffed and humiliated. Come to find out that dependable Joe was printing new money in his basement!
Here is the dilemma in which you are now confronted: Do you owe Joe $1000?

You spent the money he gave you.
You received goods and services – many of the items still in your home!
Your vendors and creditors freely accepted your payments as did the bank in which you deposited the money.

We believe the answer is no. And here’s how this story relates to the credit card companies. . . .



Credit Cards and Money Creation. . . .
Contract law states that in order to enter a legitimate loan transaction two parties must be at risk – the lender is at risk (they may not get their money back) and the borrower is at risk (they may pay back more money than what they borrowed). This legitimate loan practice is followed in most loaning cases EXCEPT when it comes to credit cards.

When a credit card application is approved and a consumer is issued an account with a line of credit what actually occurs is that new money is added into the money supply and economy. The credit card companies are not using their own assets or money for you to access, they are creating new money by “monetizing your signature”, thus they are never at risk and violate contract law.

There are many cases that have already been decided on when it comes to the issues of ‘money’, ‘credit’, and ‘banking’. The collection of interest on credit issued by a bank or a credit card company is in direct violation of all usury laws. The laws are very specific concerning the corporate authority of banks and credit institutions.

Contract law states: Two Parties Must Be At Risk; your bank enters into a contract with you and don’t take on any risk because they don’t lend you depositor money, they create it out of thin air. You are the only one at risk (because of interest rate risk which means your risk is that you will pay back more money than what you thought you borrowed). This violates contract law. They charge you interest on an alleged loan which is against Usury laws. They don’t provide Full Disclosure in their contract explaining how they create a promissory note using your signature.

We base the initial phases of the CCRE process on Federal Laws, U.S. Supreme Court decisions, Title 15 of the United States Code section 1692, the Fair Debt Collections Practices Act, the Fair Credit Billing Act, the Uniform Commercial Code, and numerous Banking and Lending laws.

Banks are breaking the laws as stated in various U.S. Codes, Truth in Lending Laws, Usury Law, the FTC’s Fair Credit Billing and Reporting Acts.

From these foundational truths and laws, we help you initiate a legal administrative dispute which then can develop into a dramatically reduced settlement saving you and your family thousands and usually tens of thousands of dollars!

Perhaps another “parable” to illustrate this truth would be helpful except this time this it’s not fiction. . . .



The Credit Card Story. . . .
Imagine that you walk into your local bank to apply for a credit card rather than completing an application in the mail or on the internet. For illustration sake, this particular branch has $1,000,000 of deposits (actual cash) and you are approved for a $9,000 line of credit.

Because of GAAP accounting (Generally Acceptable Accounting Practices) the minute you are approved for your $9,000 credit card line, the bank will claim this as an asset (this is monetizing your signature – creating new money based on your signature) thus claiming to now have $1,009,000 of assets on the books.

Suppose you max out this $9,000 credit card and, for whatever reason, don’t/can’t pay the balance on the account. Where does that leave the bank? Well, first of all, the bank is allowed to write-off the $9,000 as a bad loan after 180 days and receives their tax deduction/credit. Secondly, after writing it off, they are now back to their original $1,000,000 of deposits they had before you were approved for the account. Thirdly, they did not lose one penny during of this entire ordeal. Result: (1)the bank received money from you while you paid the interest on the “debt” thus receiving interest on money they just created;(2) the bank also received a tax deduction; (3) the bank did not lose any money because they never had any of their own money at risk.

To reiterate (because if you tell the truth enough times, people will believe it), contract law says that in order to enter into a legitimate loan transaction BOTH PARTIES INVOLVED must be at risk….the loaning institution must be at risk (they may not get back their own money) and the borrower or consumer must have a risk (we may pay back more money because of interest).

However, this is not what the credit card companies are doing. They are simply creating new money and adding it into the money supply and economy.

This is the reason our CCRE process has worked so powerfully well for hundreds of Texas families and for thousands across America. It is also the reason that you should consider allowing us to serve you and your family – because this is a LEGAL, ETHICAL, and BIBLICAL solution to get you back on the straight and narrow path AND because of the state’s consumer protection laws in Texas, we can now help even more powerfully!



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 un-biblical 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.”

Psalm 37:21
– “The wicked borrow and does not pay back, but the righteous is gracious and gives.” (If you borrow, we absolutely agree – you should pay the money back. If you were led to believe you borrowed but NEVER did, is there really a debt? If the credit card companies NEVER loaned you any of their money, but created new money into the money supply, did you borrow from them? We believe the answer is no.)

Proverbs 22:7
– “The rich rules over the poor, and the borrower becomes the lenders slave.”

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.”



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