Some people are cutting up their credit cards in response to tough economic times.
It's not paid financial advisers telling them to do it, or parents, or spouses, it's their church.
And churches are helping people in new ways to cope with money problems.
Katrina Clements piled up plastic and piled on the debt.
She thanks God for getting out of it
"I used the word of God with dealing with finances. And it took me fifteen months to get rid of the last $30,000 of credit card debt," said Clements.
Katrina took classes on financial freedom at First Baptist Church of Glenarden
"I'm trying to kill the debt demon," said Reverand John Jenkins of First Baptist Church of Glenarden, Maryland.
And got a message of spending restraint, that Pastor John Jenkins delivers in sermons
"Right now they're coming in droves." said Jenkins.
He says it's needed
"We can't sit back idly and watch them lose their homes and lose their minds. We have to help people. That's a part of the role of the church," said Jenkins.
It's a role churches are playing, and many welcome, at a time of mounting financial pressures.
Consumer debt alone has shot up to two-and-a-half trillion dollars.
Pastor Jenkins says cut up credit cards and people do, filling up his jug over time.
Katrina Clements got rid of her plastic and she sold a car, gym memberships and stopped eating out on principles she traces to the bible.
"The borrower is a slave to the lender. And we need to bear that in mind. You don't want to be in bondage or slavery to anyone," said Clements.
"You've gotta be willing to say Lord I'm Gonna live this way!" said Jenkins.
Words of transformation, Pastor Jenkins says, to solve money trouble through a higher power.