In three years, Debt Free In Christ will dynamically inspire, with the guidance of the Holy Spirit, as many people as God provides to adopt simple principles of Biblical stewardship. This will enable the peace that comes with financial freedom in Christ.


The mission of Debt Free In Christ is to simply help people live a debt-free life resulting in financial peace for today and for future generations, while guiding them to faithfully continue living in financial freedom. This will be accomplished by:

  • Teaching Biblical stewardship solutions
  • Creating a simple spending plan
  • Developing financial independence
  • Encouraging success through prayer. 


José Zambrana

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José, the son of Puerto Rican immigrants, grew up on the streets of New York City. In 1979, José, his wife Evie, and 2 children moved to Warwick, New York. Commuting each day several hours to and from NYC, José supported his family by working as a steam mechanic with the Consolidated Edison Company. Soon after moving to Warwick, José began to trust in and serve the Lord. He became increasingly involved in his local church as a Trustee, Deacon, and Boy’s Brigade Chief Ranger, acting as a Christian mentor to many boys and men. During this time the Lord impressed upon José the importance of debt-free living.

In 2003, after working for 33 years for Con Edison, José retired at age 55 with medical benefits and a 50% pension. After purchasing a home, sending both his kids to Christian schools and colleges, and putting his wife through college and graduate school, that debt-free life became a reality! This experience frames his down-to-earth presentations which underscore a simple faith in the power of God to change lives.

José has been certified by Crown Financial Ministries as a budget coach (counselor) and a Small Group Leader. He is also a certified seminar instructor in both English and Spanish on biblically-based personal financial empowerment. He has been hosting home Bible studies for many years, particularly on finances with married couples. Presently, José regularly counsels couples on finances and reaches out to Latino communities.

In 2007, José and Evie then moved to Souderton, PA, to minister to their immediate family. Evie had retired a year earlier to better assist in the Ministry.  She had taught 19 years in a Christian school.  José continued to present financial seminars and workshops as they both traveled to New York, New Jersey, and wherever God opened doors. While living in PA and serving in many capacities at Immanuel Church of the Nazarene, God impressed on José to attend Nazarene Bible College classes in acquiring a Pastor’s license, then eventually work toward ordination. He finally received his Pastoral License in April 2016.  It was during his time as a Nazarene student that God called him to begin and direct his own financial ministry – DEBT FREE IN CHRIST. 

The Ministry has a 6-hour financial seminar presenting biblical principles on becoming debt free. In addition, Debt Free In Christ has launched a new Benevolence Program/Workshop, teaching churches and its leaders how to establish and run a Benevolence Accountability Program. 

God graciously allowed him to teach and bring liberty to many people who are now DEBT FREE or on their journey toward financial freedom by teaching them biblically-based stewardship principles, as well as presenting the Gospel.

In October 2017, the Lord moved José and Evie to San Antonio, TX, where José is interning as an Associate Pastor at New Vision Community Church. This is truly a new chapter in their walk with the Lord. 

José is energetic, loves family life, and enjoys family-based ministry. He frequently presents biblical stewardship to his 3 grandchildren who also reside in San Antonio – the legacy must continue.

José and Evie are advancing forward with a clear vision and purpose.  God fills them with the strength and power of the Holy Spirit to spread the “Good News” of debt-free living. 

Board Members

  Allen Hare

Allen Hare

Boardmember - Immanuel Church of the Nazarene, Lansdale, PA

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Carol Dickinson

Deacon Faith Church, Worcester, PA

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Pastor Gonzalo Rodriguez

Riverdale Community Church, Bronx, NY

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Vincent Smykla

Board Member - Crossroads A/G, Hamburg, NJ

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Pastor Felix Robles

Christian Missionary Alliance, Mt. Vernon, NY

Copyright 2018 Debt Free In Christ.

Member of Ministry Alliance