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by Dr. Whit Woodard, CFIC and CEO of The ECHO Group

Bankruptcy is often presented as the best solution to a perplexing debt problem. But is it really? Bankruptcies are increasing at an alarming rate. Legislators, responding to the difficulties of both borrower and creditor, are re-examining the ramifications of our current laws. Expect some important and needed changes in bankruptcy law very soon. Debt ridden families are often led to believe that it is a relatively harmless procedure that will eventually go away, not realizing that it leaves behind a legal record that will continue to haunt them long after it drops from their credit report.

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“Credit buying is much like being drunk. The buzz happens immediately and gives you a lift…. The hangover comes the day after.” —Dr. Joyce Brothers

“The rich rule over the poor, and the borrower is slave to the lender.” —Proverbs 22:7

Many so called financial advisors suggest that there is “good debt” and “bad debt.” The implication usually is that debt secured by an appreciating asset (such as real estate) is good. Some go as far as to suggest that you need not consider it as debt. Nothing could be farther from the truth. If “the borrower is slave to the lender,” then debt is slavery. I wonder how many would cede that there is such a thing as “good slavery” and “bad slavery?” Certainly, some slavery is less onerous than other slavery. Better to be a slave in Eastern Europe than in Saudi Arabia, I suppose, but it is still slavery. As long as you have debt, you are still enslaved.

Debt is Slavery - Get FREE!

By John Cummuta, CSL, CFIC

I received some interesting pieces of information over the last couple of weeks that compel me to restate my position on the issue of plastic money.

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“For what profit is it to a man if he gains the whole world, and loses his own soul?” Matthew 16:26

“Take no thought for your life.” Matthew. 6: 25.

A warning which needs to be reiterated is that the cares of this world, the deceitfulness of riches, and the lust of other things entering in, will choke all that God puts in.

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