Christian Credit Counseling Service - With Your Financial Freedom in Mind

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What is...
Budget Counseling
Debt Recovery

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Debt Ratio Calculator

About Us

Who are we?
Christian Credit Counseling Service isn't your typical credit counseling agency. Our goal is not to make money but to help individuals and families who find themselves in financial crisis.

We are here to help you.


Harold & Jan Hendricks
Harold & Jan Hendricks

About the Company
From its inception, Christian Credit Counseling Service has focused on the needs of its clients.

As 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.

As 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 in 1994.

In June, 1993, Harold relocated Christian Credit Counseling Service to establish a centrally located National/International Headerquarters in Tulsa, Oklahoma.

About the Director
Harold 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 his Doctorate.

We Care
We are a non-profit agency dedicated to helping individuals and families achieve financial freedom.


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Christian Credit Counseling Service - A Division of CARES

Copyright 2003

6705 East 81st, Suite 152
Tulsa, OK 74133
Phone: 918-492-5585
Toll Free: 1-800-342-7686
Fax: 918-492-5587