Welcome

Maranatha-Carlisle is a charitable ministry whose primary focus is to educate consumers about sound financial management.  We help individuals and families establish household budgets that are realistic and manageable.

Why We Help

• Because easy credit, like credit cards in the mail, check cashing services, or car loans can catch up with you.  Soon you can't even pay the monthly minimums.
• Because an unexpected expense such as a medical bill or car repair can result in a financial crisis.
• Because sometimes you just can't keep up with the regular monthly bills - high interest, late payments and overdraft charges add to your debt.
• Because we know how difficult and stressful it can be when you are unable to pay your bills and receive harassing telephone calls.

How We Help

• We look at your monthly bills and outstanding debts to determine the reasons for past problems.
• Working with Maranatha-Carlisle helps you to become disciplined and control your spending.  Together we create a workable financial plan to enable us to pay your bills and provide money to you on a regular basis for food and other essentials.
• We plan ahead by reserving funds for car repairs, insurance, taxes, etc.
• If necessary, we will make proposals to your creditors to negotiate payment plans.
• We coordinate with other agencies who are more supportive of your needs when they know you are in the Maranatha-Carlisle program.

Those in crisis must be prepared to follow the plan and reduce unnecessary spending until their finances are under control.