Copyright © 2007 by J.A.Mcbean. Library of Congress Washington.D.C.20559
G etting out of debts is harder that getting in. It takes time, it take three months to get in. It take two years to came out. Credit cards cell phones are two of the most things that drag young people down. People saw others with things and do not want to feel left out, and put themselves over the edge to get it. If your pocket cannot afford it, let it go. The credit card companies are playing a math game with you, once they get you in you can never came out. The cell phones companies are playing contract game with you. Then we have the credit repairs companies comes on the seen they cannot help you either; they came to sheer the sheep. Recently, my wife and I employed a credit repair company, they charge $500. They plan to write to all our creditors and ask them to prove their case, if they cannot prove it they have to reply in thirty days, if not they have to remove our name from the records.
The credit company has to get our bank Alternatively, credit card number, so as to collect their payment. We have seven days to cancels, after seven days if we cancel we forfeit and still owe that money even though the credit repairs company done nothing. They say it will take us three months to begin getting letters from creditors. The trick is. The money is still in the account and nothing is done. The temptation is for us to put a stop payment on it, if a stop payment it put on it we forfeit, and owed the money and the credit company still have not move a finger. In the direction to help us.
Just incase they decide to do as they say and wrote to all your creditors. They begin to sent you letter showing what is been remove from your credit record. Guest what? The laugh is on you, months later every thing turn up back on your record and you have spent hundreds trying to clean it up.
SIGNING A NEW CONTRACT.
Do you ever wonder why a contract is so long and why all those fine print, and all that terminologies that you have never heard of mean? It means. You are giving the lender the legal right to screw you hard, and screw you right up a tree if he she want to.
Before you sign any contract, you must ask the person if you can take it home and go let your lawyer have a look at it before you sign it. If the person disagree with you and want you to sign it right away, consider it to be trap. It has hidden clause, which only a lawyer has the ability to spot, clause that give the lender legal right to do as they want with you.
A store wrote me and offers me a store credit card. For $500. It was my first card so I took it, just to let me have a credit history. What was not told to me is that I already owe $50 on the card for processing fees. I buy a TV for $200; because the store was near to my job, I stop by and pay the money in person. Because I was paying the money sometime five days in advance, I was not paying attention to the bills that was coming. Every thing was going as late payment. I found about four months receipts and brought it back to the store to prove that I was not late. They give me credit for it, but for the other months, that I could not find that was it. That build case me over $2000 and finally I have to buy it out for $1000.
If you got mad and stop, paying that is what they want you to do. The company sold it, and sold it again and again, and every new company that bought it add to it finally you owe thousand of dollars. You will never reach any where financially or in life until you pay those bills.
In the book "Master your Money" By Ron Blue. On page 129. "Lending institutions do not want people to pay their credit card debts each month because of the 18 to 21 percents interest that is earned on that credit card debt"
WHAT TO DO.
Rule number one, you dung in the street, you are going to come around and step in it yourself. If you are not buying a car, buying a house, or student loan, do not be quick to sign contract. The contract you sign is not to help you, but to help the person that draws it up. If they are going to give you good service, no contract is needed, because you will not be able to leave a service that is good. You need to remember that the contract that you sign is to protect the other person; it has nothing in there to protect you.
YOUR CREDITORS WILL CONTACT YOU.
When your creditors contact you, be ready to ask for a buy out. If you owed them, $1500 asks if you can pay them $1000 and end with it, In at least three payments! Now when you made that verbal contact on the phone, stick to it. If you found out that, you cannot make a payment call them days before and let them know. So it do not look like you do not care and you are a comic. When they agree to give you the buy out, get them to send you a letter, stating it, and a letter after you pay that money. Then you will need to copy the letter and sent it to all three main credit bureau. Therefore, they can update the record. Do not depend on the creditor to do that for you.
WATCH OUT FOR SLEEPERS BILLS.
Parking tickets from out of states are sleepers. I get a $5 parking tickets in district of Columbia, years later it find me at my new address, it was now $80 with a treats. I have to pay it quick. Watch out for sleepers.
START PAYING ALL THE SMALL BILLS.
Every time you get out of a bill, do not make any new one. Then move to the other bigger one. Some of the things that those scams say they can do, it can work but once they get the money they will never follow through with their part of the bargain. Only you can get yourself out of debts, there is no quick fix.
All the bills that you have that are under $200 pay them off right away. Then go to the bill that has the highest interest rate, and start to pay on that one, only after you contact the creditors and ask for a buy out.
THE USE CAR DEATH TRAP.
I bought a brand new car for my wife and a use car for my self. When I realize my wife, payment is far less than what I am paying for my use car. Her brand new car has four years warrantee right down to the oil change. Even before I made two payments on mine, I spent over $500 in repairs and towing fees. Now that is not the greatest problem, the people who own the cars before sometime as illegal stuff in the thing, if the police do a better search than you when they stop you are in trouble for something you never know was hidden in the car.
A use car is like an old wife who her sex drive does not work any more and her heart cannot take the pounding. At any moment, she dies under you. An old use car on payment is foolish decisions.
SALE PEOPLE THAT PREY ON NEW HOME OWNERS.
As soon as we bought our home, we were bombarded by people selling water treatment. I sign up for one that was about $2500. Eighteen days after the thing was installed, the financial company call us and told us that we have seventeen days to return the unit if we do not like the 40% financial charges. When does the seventeen started? From the time, the unit was installing. From the time the unit was install and the time I was told in now eighteen days. Ahahah "You are inside our trap you cannot get out now" The laugh is on you. Since 40%, financial charge was never mention in the contract I could take them to court, but the time and lawyer fees it is best to pay them off and warn others. You can get the same units at some department stores and install it yourself, for pennies and it work.
SOMETIME ONLY CHRIST CAN HELP US
Matthew 6:33-AV But seek ye first the kingdom of God, and his righteousness; and all these things shall be added unto you.
Isaiah 55:6-AV Seek ye the LORD while he may be found, call ye upon him while he is near: Isaiah 55:7-AV Let the wicked forsake his way, and the unrighteous man his thoughts: and let him return unto the LORD, and he will have mercy upon him; and to our God, for he will abundantly pardon.
LOOK AT THE BENEFITS OF BECOMING A CHRISTIAN
How does a person become a Christian, and are sure that he/she is save? First the person must know that he/she is a sinner and need deliverance from the lord.
Romans 3:23 (KJV) for all have sinned, and come short of the glory of God;
Galatians 3:22 (KJV) But the scripture hath concluded all under sin, that the promise by faith of Jesus Christ might be given to them that believe.
THE SINNER MUST BELIEVE THAT THERE IS A GOD.
Hebrews 11:6 NKJV But without faith it is impossible to please Him, for he who comes to God must believe that He is, and that He is a rewarder of those who diligently seek Him.
THE SINNER MUST BELIEVE THAT GOD IS READY TO FORGIVE HIM.
Isaiah 55:7 (KJV)Let the wicked forsake his way, and the unrighteous man his thoughts: and let him return unto the Lord, and he will have mercy upon him; and to our God, for he will abundantly pardon.
THE SINNER MUST BELIEVE THAT CHRIST DIED FOR HIM.
Romans 5:6 (KJV) For when we were yet without strength, in due time Christ died for the ungodly.
Romans 5:8 (KJV)But God commendeth his love toward us, in that, while we were yet sinners, Christ died for us.
1 Cor. 15:3-8 (KJV) For I delivered unto you first of all that which I also received, how that Christ died for our sins according to the scriptures; [4] And that he was buried, and that he rose again the third day according to the scriptures: [5] And that he was seen of Cephas, then of the twelve: [6] After that, he was seen of above five hundred brethren at once; of whom the greater part remain unto this present, but some are fallen asleep. [7] After that, he was seen of James; then of all the apostles. [8] And last of all he was seen of me also, as of one born out of due time.
The sinner must believe that God can keep him save.
Ephes. 3:20 (KJV) Now unto him that is able to do exceeding abundantly above all that we ask or think, according to the power that worketh in us,
Jude 1:24 (KJV) Now unto him that is able to keep you from falling, and to present you faultless before the presence of his glory with exceeding joy,
PERFECTING THE SAINTS IS A WORK OF GOD.
1 Peter 5:10 (KJV) But the God of all grace, who hath called us unto his eternal glory by Christ Jesus, after that ye have suffered a while, make you perfect, establish, strengthen, settle you.
THE SINNER MUST KNOW THAT ONLY JESUS CAN SAVE THEM.
Acts 4:12 (KJV) Neither is there salvation in any other: for there is none other name under heaven given among men, whereby we must be saved.
THE SINNER MUST MAKE A DECISION TODAY.
Isaiah 1:18 (KJV) Come now, and let us reason together, saith the Lord: though your sins be as scarlet, they shall be as white as snow; though they be red like crimson, they shall be as wool.
2 Cor. 6:2 (KJV) (For he saith, I have heard thee in a time accepted, and in the day of salvation have I succoured thee: behold, now is the accepted time; behold, now is the day of salvation.)
BOW YOUR HEAD AND PRAY THIS PRAYER.
Lord I am a sinner and need your salvation. Forgive all my sins. I accept your son Jesus as my savior today.
We can sing with the song writer" I rise walk in heaven’s own light above the world and sin with heart made pure and garments white, and Christ en-throned with in. The cleansing stream I see I see I plunge, and O It cleans-eth me. O praise the Lord, it cleans-eth me, it cleans-eth me yes, cleans-eth me."
DROP ALL PRE-CONCEIVE IDEAS OF CHRISTIANITY.
Drop all preconceived ideas of Christianity because these conflict with the reality of Christianity. The lord will live the life through you day by day. You do not drop things from your life on your own. The spirit of God will walk you out of sins in his own time.
FIRST HUMBLING YOU.
Ephes. 2:8-9 (KJV)For by grace are ye saved through faith; and that not of yourselves: it is the gift of God: [9] Not of works, lest any man should boast.
If you stop sins and get holy before God’s timing you will begin to boast how it is your own magnetism got you so far, then you became a source of discouragement to others. Therefore, you are going to stuck upon a sin or two. The sin always getting the better of you. This will push you to always accept God’s grace, and to see your own frailness.
1 John 1:8 (KJV) If we say that we have no sin, we deceive ourselves, and the truth is not in us.
TO CONTINUE GROWING IN GOD.
1 Peter 2:2 (KJV) As newborn babes, desire the sincere milk of the word, that ye may grow thereby:
2 Peter 1:5-10 (NKJV) But also for this very reason, giving all diligence, add to your faith virtue, to virtue knowledge, 6 to knowledge self-control, to self-control perseverance, to perseverance godliness, 7 to godliness brotherly kindness, and to brotherly kindness love. 8 For if these things are yours and abound, you will be neither barren nor unfruitful in the knowledge of our Lord Jesus Christ. 9 For he who lacks these things is shortsighted, even to blindness, and has forgotten that he was cleansed from his old sins. 10 Therefore, brethren, be even more diligent to make your call and election sure, for if you do these things you will never stumble.
All a baby need to do to grow is to feed. You will have to learn to feed yourself. Many pastors cannot feed the sheep. Continue visiting our website for free materials. Feel free to email us for additional resources.
FINDING OUT YOUR CALLING
When I was newly save, the believers always, ask me if I know the will of God for my life! I never really know what they were talking about. Every person that was saved had a mission and a gift. However, because you are just a babe in Christ you do not know any of these. As you go on with the lord his will for you will unfolds day bay day. Do not run off and make any big commitment. Your mate has to be tailor made for you by God. You are now a citizen of heaven. Heaven does not rule by democracy. You cannot serve God with democratic mind set.
WHAT YOU MUST DROP OFF.
Hebrews 12:1 (Living Bible) Since we have such a huge crowd of men of faith watching us from the grandstands, let us strip off anything that slows us down or holds us back, and especially those sins that wrap themselves so tightly around our feet and trip us up; and let us run with patience the particular race that God has set before us.
Ephes. 4:31 (Living Bible) Stop being mean, bad-tempered, and angry. Quarreling, harsh words, and dislike of others should have no place in your lives.
Col. 3:8 (Living Bible) but now is the time to cast off and throw away all these rotten garments of anger, hatred, cursing, and dirty language.
GET A GOOD BIBLE, FIND A GOOD CHURCH.
One of the best Bibles out there is the New King James Version. Dake’s annotated Bible is very good. Next, you need a living bible to make some thing simple.
Hebrews 10:25 (Living Bible) Let us not neglect our church meetings, as some people do, but encourage and warn each other, especially now that the day of his coming back again is drawing near.
DROP THE BAD HABITS.
Drop the smoking, even though we cannot prove it to be a sin. You are going to be sitting down beside other church going people; they do not want to be smelling the odor from smoking on you.
PROTECTING YOURSELF FROM BEING SPOILED BY MAN.
Col. 2:8 (KJV)Beware lest any man spoil you through philosophy and vain deceit, after the tradition of men, after the rudiments of the world, and not after Christ.
Hebrews 13:9 (KJV) Be not carried about with divers and strange doctrines. For it is a good thing that the heart be established with grace; not with meats, which have not profited them that have been occupied therein.
Seven Ways that People Can Spoil Christians:
1. Through philosophy (Col. 2:8)
2. Through vain deceit (Col. 2:4,8,18-19)
3. Through human traditions (Col. 2:8)
4. Through human religion and world principles contrary to the gospel (Col. 2:8,14-23; note, §Galatians 4:3)
5. Through circumcision (Col. 2:11-13; Acts 15:1; Romans 4:9-16; Galatians 5:1-11)
6. Through the law of Moses, demanding observance of the laws on meats, drinks, holy days, new moons, feasts, and sabbaths (Col. 2:14-17)
7. Through cults that puff up and imitate the gospel (Col. 2:18-23)
By all these means, unsuspecting souls are being carried off as plunder and booty by false teachers. The founders of false religions and human philosophies which pamper the flesh and give their victims elated feelings of importance make an appeal to them.
Christianity is loaded down with some false concept. Some little believe system, which are spread by false believers. One of such teaching is that you must “Look like Christians” How does Christians look? Genuine Christianity is not an external thing but of the heart and spirit.
Micah 6:8 (KJV)He hath shewed thee, O man, what is good; and what doth the Lord require of thee, but to do justly, and to love mercy, and to walk humbly with thy God?
When cults capture a newly converted Christians, the cult first job on that new believer is to close their mind. Preventing the new believer from reading any material from other churches. So that new believer will never get out of their trap.
YOUR HORMONE DOES NOT STOP WORKING WITH CHRISTIANITY.
Philip. 3:20-21 (KJV)For our conversation is in heaven; from whence also we look for the Saviour, the Lord Jesus Christ: [21] Who shall change our vile body, that it may be fashioned like unto his glorious body, according to the working whereby he is able even to subdue all things unto himself.
Romans 8:23 (KJV) And not only they, but ourselves also, which have the firstfruits of the Spirit, even we ourselves groan within ourselves, waiting for the adoption, to wit, the redemption of our body.
Our bodies were not save at conversion. The work of redemption took place in your spirit man. Our body will be redeemed at the return of our lord. We are still waiting for the redemption of our body.
According to Philip 3:20-21 and Romans 8:23. You are still going to have urges. You have to present your body to the lord as a living sacrifice. Not dead one. Living sacrifice give trouble, you will have trouble keeping that body tied to the altar. However, as you and I grow in the lord what seem impossible will be quite possible.
SOMETIME ONLY JESUS CAN HELP US:
Matthew 6:33-AV But seek ye first the kingdom of God, and his righteousness; and all these things shall be added unto you.
Isaiah 55:6-AV Seek ye the LORD while he may be found, call ye upon him while he is near: Isaiah 55:7-AV Let the wicked forsake his way, and the unrighteous man his thoughts: and let him return unto the LORD, and he will have mercy upon him; and to our God, for he will abundantly pardon.
LOOK AT THE BENEFITS OF BECOMING A CHRISTIAN:
How does a person become a Christian, and are sure that he/she is save? First the person must know that he/she is a sinner and need deliverance from the lord.
Romans 3:23 (KJV) for all have sinned, and come short of the glory of God;
Galatians 3:22 (KJV) But the scripture hath concluded all under sin, that the promise by faith of Jesus Christ might be given to them that believe.
THE SINNER MUST BELIEVE THAT THERE IS A GOD:
Hebrews 11:6 NKJV But without faith it is impossible to please Him, for he who comes to God must believe that He is, and that He is a rewarder of those who diligently seek Him.
THE SINNER MUST BELIEVE THAT GOD IS READY TO FORGIVE HIM:
Isaiah 55:7 (KJV)Let the wicked forsake his way, and the unrighteous man his thoughts: and let him return unto the Lord, and he will have mercy upon him; and to our God, for he will abundantly pardon.
THE SINNER MUST BELIEVE THAT CHRIST DIED FOR HIM:
Romans 5:6 (KJV) For when we were yet without strength, in due time Christ died for the ungodly.
Romans 5:8 (KJV)But God commendeth his love toward us, in that, while we were yet sinners, Christ died for us.
1 Cor. 15:3-8 (KJV) For I delivered unto you first of all that which I also received, how that Christ died for our sins according to the scriptures; [4] And that he was buried, and that he rose again the third day according to the scriptures: [5] And that he was seen of Cephas, then of the twelve: [6] After that, he was seen of above five hundred brethren at once; of whom the greater part remain unto this present, but some are fallen asleep. [7] After that, he was seen of James; then of all the apostles. [8] And last of all he was seen of me also, as of one born out of due time.
MUST BELIEVE THAT GOD CAN KEEP HIM:
Ephes. 3:20 (KJV) Now unto him that is able to do exceeding abundantly above all that we ask or think, according to the power that worketh in us,
Jude 1:24 (KJV) Now unto him that is able to keep you from falling, and to present you faultless before the presence of his glory with exceeding joy,
PERFECTING THE SAINTS IS A WORK OF GOD:
1 Peter 5:10 (KJV) But the God of all grace, who hath called us unto his eternal glory by Christ Jesus, after that ye have suffered a while, make you perfect, establish, strengthen, settle you.
THE SINNER MUST KNOW THAT ONLY JESUS CAN SAVE THEM:
Acts 4:12 (KJV) Neither is there salvation in any other: for there is none other name under heaven given among men, whereby we must be saved.
THE SINNER MUST MAKE A DECISION TODAY:
Isaiah 1:18 (KJV) Come now, and let us reason together, saith the Lord: though your sins be as scarlet, they shall be as white as snow; though they be red like crimson, they shall be as wool.
2 Cor. 6:2 (KJV) (For he saith, I have heard thee in a time accepted, and in the day of salvation have I succoured thee: behold, now is the accepted time; behold, now is the day of salvation.)
BOW YOUR HEAD AND PRAY THIS PRAYER:
Lord I am a sinner and need your salvation. Forgive all my sins. I accept your son Jesus as my savior today.
We can sing with the song writer" I rise walk in heaven’s own light above the world and sin with heart made pure and garments white, and Christ en-throned with in. The cleansing stream I see I see I plunge, and O It cleans-eth me. O praise the Lord, it cleans-eth me, it cleans-eth me yes, cleans-eth me."
DROP ALL PRE-CONCEIVE IDEAS OF CHRISTIANITY:
Drop all preconceived ideas of Christianity because these conflict with the reality of Christianity. The lord will live the life through you day by day. You do not drop things from your life on your own. The spirit of God will walk you out of sins in his own time.
FIRST HUMBLING YOU:
Ephes. 2:8-9 (KJV)For by grace are ye saved through faith; and that not of yourselves: it is the gift of God: [9] Not of works, lest any man should boast.
If you stop sins and get holy before God’s timing you will begin to boast how it is your own magnetism got you so far, then you became a source of discouragement to others. Therefore, you are going to stuck upon a sin or two. The sin always getting the better of you. This will push you to always accept God’s grace, and to see your own frailness.
1 John 1:8 (KJV) If we say that we have no sin, we deceive ourselves, and the truth is not in us.
TO CONTINUE GROWING IN GOD:
1 Peter 2:2 (KJV) As newborn babes, desire the sincere milk of the word, that ye may grow thereby:
2 Peter 1:5-10 (NKJV) But also for this very reason, giving all diligence, add to your faith virtue, to virtue knowledge, 6 to knowledge self-control, to self-control perseverance, to perseverance godliness, 7 to godliness brotherly kindness, and to brotherly kindness love. 8 For if these things are yours and abound, you will be neither barren nor unfruitful in the knowledge of our Lord Jesus Christ. 9 For he who lacks these things is shortsighted, even to blindness, and has forgotten that he was cleansed from his old sins. 10 Therefore, brethren, be even more diligent to make your call and election sure, for if you do these things you will never stumble.
FINDING OUT YOUR CALLING:
When I was newly save, the believers always, ask me if I know the will of God for my life! I never really know what they were talking about. Every person that was saved had a mission and a gift. However, because you are just a babe in Christ you do not know any of these. As you go on with the lord his will for you will unfolds day bay day. Do not run off and make any big commitment. Your mate has to be tailor made for you by God. You are now a citizen of heaven. Heaven does not rule by democracy. You cannot serve God with democratic mind set.
WHAT YOU MUST DROP OFF:
Hebrews 12:1 (Living Bible) Since we have such a huge crowd of men of faith watching us from the grandstands, let us strip off anything that slows us down or holds us back, and especially those sins that wrap themselves so tightly around our feet and trip us up; and let us run with patience the particular race that God has set before us.
Ephes. 4:31 (Living Bible) Stop being mean, bad-tempered, and angry. Quarreling, harsh words, and dislike of others should have no place in your lives.
Col. 3:8 (Living Bible) but now is the time to cast off and throw away all these rotten garments of anger, hatred, cursing, and dirty language.
GET A GOOD BIBLE, AND FIND A GOOD CHURCH:
One of the best Bibles out there is the New King James Version. Dake’s annotated Bible is very good. Next, you need a living bible to make some thing simple.
Hebrews 10:25 (Living Bible) Let us not neglect our church meetings, as some people do, but encourage and warn each other, especially now that the day of his coming back again is drawing near.
PROTECTING YOURSELF FROM BEING SPOILED BY MAN:
Col. 2:8 (KJV)Beware lest any man spoil you through philosophy and vain deceit, after the tradition of men, after the rudiments of the world, and not after Christ.
Hebrews 13:9 (KJV) Be not carried about with divers and strange doctrines. For it is a good thing that the heart be established with grace; not with meats, which have not profited them that have been occupied therein.
Seven Ways that People Can Spoil Christians:
1. Through philosophy (Col. 2:8)
2. Through vain deceit (Col. 2:4,8,18-19)
3. Through human traditions (Col. 2:8)
4. Through human religion and world principles contrary to the gospel (Col. 2:8,14-23; note, §Galatians 4:3)
5. Through circumcision (Col. 2:11-13; Acts 15:1; Romans 4:9-16; Galatians 5:1-11)
6. Through the law of Moses, demanding observance of the laws on meats, drinks, holy days, new moons, feasts, and sabbaths (Col. 2:14-17)
7. Through cults that puff up and imitate the gospel (Col. 2:18-23)
By all these means, unsuspecting souls are being carried off as plunder and booty by false teachers. The founders of false religions and human philosophies which pamper the flesh and give their victims elated feelings of importance make an appeal to them.
Christianity is loaded down with some false concept. Some little believe system, which are spread by false believers. One of such teaching is that you must “Look like Christians” How does Christians look? Genuine Christianity is not an external thing but of the heart and spirit.
Micah 6:8 (KJV)He hath shewed thee, O man, what is good; and what doth the Lord require of thee, but to do justly, and to love mercy, and to walk humbly with thy God?
When cults capture a newly converted Christians, the cult first job on that new believer is to close their mind. Preventing the new believer from reading any material from other churches. So that new believer will never get out of their trap.
YOUR HORMONE DOES NOT STOP WORKING WITH CHRISTIANITY:
Philip. 3:20-21 (KJV)For our conversation is in heaven; from whence also we look for the Saviour, the Lord Jesus Christ: [21] Who shall change our vile body, that it may be fashioned like unto his glorious body, according to the working whereby he is able even to subdue all things unto himself.
Romans 8:23 (KJV) And not only they, but ourselves also, which have the firstfruits of the Spirit, even we ourselves groan within ourselves, waiting for the adoption, to wit, the redemption of our body.
Our bodies were not save at conversion. The work of redemption took place in your spirit man. Our body will be redeemed at the return of our lord. We are still waiting for the redemption of our body.
According to Philip 3:20-21 and Romans 8:23. You are still going to have urges. You have to present your body to the lord as a living sacrifice. Not dead one. Living sacrifice give trouble, you will have trouble keeping that body tied to the altar. However, as you and I grow in the lord what seem impossible will be quite possible.
Come back for update soon.
Bearer Of The Mind Sword.
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