its inception, Christian Credit Counseling Service has focused on
the needs of its clients.
the pastor of Open Door Christian Church in Novato, California,
Harold L. Hendricks realized that finances were a key problem for
members of his congregation. Pastor Hendricks was always very successful
with Budget Counseling, but he continually came up against a "brick
wall" in regards to Debt Recovery because there was no credit
counseling business that would handle the process as a spiritual
matter or allow tithing as a part of the answer.
a result, Harold founded Christian Credit Counseling Service in
1991. In 1992, it became a division of the non-profit, religious
corporation Christian Asset Resource Educational Services (CARES).
The second division of CARES - CARES Recovery - was established
June, 1993, Harold relocated Christian Credit Counseling Service
to establish a centrally located National/International Headerquarters
in Tulsa, Oklahoma.
Hendricks (pictured with his wife Janice) has been successfully
counseling families in financial matters for over 20 years. As a
pastor of a church, he discovered that financial troubles are one
of the main sources of family trauma. Since then he has done extensive
research in the arena of family financial budgeting and planning.
Harold's undergraduate degree is in Business Administration with
an emphasis in financial management. He worked at Kaiser Steel for
eight years as a purchasing analyst and buyer. He holds a Master
of Divinity Degree and has done the academic postgraduate work toward