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If you own a home, you're in even better shape. Why? Because you have collateral that can be used in order to get that loan. You can either refinance your mortgage or shop for a home equity loan. While these do put your home in danger if you can't make your payments, they will reduce your monthly outflow, possibly to a considerable amount.
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Working with a financial expert can help you determine to keep your promise to pay your creditors. Deuteronomy 23:21 says that if you make a promise or a vow, you should quickly pay it. There are services that are geared toward helping those who have acquired too much debt to begin a systematic program of repayment that will in the end bring them to a place of return to financial responsibility. Receiving help in time of need can be an answer to prayer to someone dealing with debt in his or her personal finances.
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