Being a Christian - Is it plausible to file bankruptcy when in debt?

There cannot be a definitive answer to the query if a Christian can declare bankruptcy. You cannot simply give yes or no directly as an answer to this question. If a person is in debt and if he/she is left with no other option but file bankruptcy; there is nothing wrong about opting for that single program. But the thing that is considered or should be considered wrong is the practices that have lead to such a situation. Even if the Christian debt consolidation does not
prove to be fruitful for you to pay off your debts, you may have to file bankruptcy so as to discharge the debts.

Should you file bankruptcy as a Christian?

According to the Christian principles, no Christian is supposed to get into debt or borrow money. They should be able to live on what they have, only on what they can afford. Now, bankruptcy in general, is supposed to result from irresponsible spending habits. That is what is considered to be wrong and unethical.

The Bible has not directly addressed the situation called bankruptcy. It has simply talked about people and borrowings. First of all, it is un-Christianly to borrow money and to go beyond your means. Then, the Bible has further said that it is important for a Christian to maintain his/her responsibility to keep up the promises made and pay back what is owed by a Christian. According to Ecclesiastes 5:4-5, “When you make a vow to God, do not delay to pay it; For He has no pleasure in fools. Pay what you have vowed — Better not to vow than to vow and not
pay."

The Bible has also added that it is being wicked if you intend not to pay back what you owe. So, the Psalm 37:21 says that “The wicked borrows and does not repay, but the righteous shows mercy and gives.” Christians should not behave as if they are themselves “the wicked.”

So, if you are seeking to file bankruptcy in order to make a short cut to get freedom from your debts, it can be considered a wrong step. But considering today’s tough standards of living and fiancées, bankruptcy might seem to be the only option that can help you obtain relief from unwanted debt problems.

However, it is extremely important for you to decide if bankruptcy is your only option to pay off your debts. Rather than simply opting for bankruptcy, it is important for you to check out the other debt relief options. Like, you can try out the Christian debt consolidation option that can help you to pay off all of the debt that you have but ease the process. In Christian debt consolidation, you are required to get the help of a Christian debt consolidation company who will help you consolidate your debts. The counselor negotiates with the creditors in order

to lower the interest rate on your debts. You will then be required to make a single monthly payment to the consolidation company.