Brother Ron Barnes Founder and Pastor Statement of Faith About Brother Ron Weekly Sermon Daily Devotional Our Ministries Living Smart Outreach Ministry Equipping people to be positive,  productive members of the community. Prayer Ministry Prayers and prayer resources for Baha'i, Buddhists, Christians, Hindus, Jews, Muslims, Native Americans, New Age, Pagans and other faiths. Please submit your Personal Prayer Request Religious Education Resources to expand your knowledge and understanding of the world's major religions Music Ministry Ron's original gospel songs and links to Christian music web sites. Resource Directory Where to find help for medical problems, abuse, finances and other issues. Career Planning How to identify the right career, locate potential employers and get the job you want. HousingProgram Offers South Carolina residents grants (not loans) to buy, build or repair your home.

May the Lord continue to bless and preserve you.

Resource Directory INTERNATIONAL VISITORS CLICK HERE to translate this and other web pages to 26 languages. CREDIT COUNSELING Better Business Bureau-Articles on all aspects of finance and credit including credit counseling, credit cards, loans, identity theft, other scams and frauds. Credit Repair: Self-Help May Be Best-From the Federal Trade Commission- explains how you can improve your credit worthiness and lists legitimate resources for low or no-cost help. MSN MoneyPlus-Features saving calculator, debt evaluator, information on spending, budgeting, investing, banking, financial planning, taxes. Financial planning-From About.com-articles on budgeting including worksheets, calculators, numerous links to other resources. Dollar Stretcher-Articles and information to help you reduce your spending without hurting your lifestyle-features search ehgine, calculators and more. Credit/Debt Management-Articles, workshops, discussion of the Fair Credit Reporting Act, ID theft, auto insurance and other issues. Google Directory of Non-Profit Counseling-Links to dozens of legitimate non-profit organizations offering credit counseling and debt reduction services. Bankruptcy Alternatives-Some bankruptcy alternatives to consider are debt consolidation loans, consumer credit counseling service, or negotiating easier payment terms with your creditors. Debtor's Options-Issues, options, action steps, articles, links. Consumer Counseling Centers of America-Non-profit helps individuals and families save and manage money through a Bill Consolidation and Debt Management Program. SpendOnLife.com-Free credit report, counseling, information on debt, loans. Resources for South Carolina Residents Credit Counselors of South Carolina......................................1-877-877-1995 Credit Counselors is accredited by the Council on Accreditation and the Association of Independent Consumer Credit Counseling Agencies (AICCA). Most importantly, we are affiliated with the National Foundation for Credit Counseling (NFCC)-the most established and trusted credit counseling trade organization. Compass of Carolina..............................................................1-800-303-9692 CCCS is a part of the National Foundation for Credit Counseling (NFCC), the nation's oldest and largest network of non-profit credit counseling agencies.  All of our credit counselors are certified through the National Foundation for Credit Counseling.  We are a United Way supported agency. Family Service Center.............................................................1-800-922-5651 Our Consumer Credit Counseling service provides confidential and professional financial, debt and housing counseling.

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