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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The son of Puerto Rican immigrants, José grew up on the streets of New York City. In 1979 José, his wife, Evie, and 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 Boys’ 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 33 years for Con Edison, José retired at age 55 with medical benefits and a 50% pension. After purchasing land and a home, sending his kids to both Christian school and college, 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.

Over the last eight years José has been a full-time missionary with Crown Financial Ministries as a Budget Coach, Small Group Leader Trainer and Seminar Instructor.  He accomplished this bilingually as the Area Director to the NYC and New England areas. José received a Certificate in Bible Studies from Moody Bible Institute and hosted home Bible studies for many years, particularly on finances with married couples. He continues to counsel couples and singles on finances and reaches out to Latino communities as well. God graciously allows 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. This teaching was very instrumental in helping one congregation realize the possibility of buying land and building a church debt free! 

José is energetic, loves family life, and enjoys family-based ministry. José and his beloved wife of almost 42 years moved to Souderton, PA, in order to minister to their immediate family. Evie was a schoolteacher for 19 years in a Christian school and retired in June 2006 to assist in the ministry and help family members. They have one son who completed his Ph.D. and presently works as a Physical Scientist in the Office of Research and Development for the Environmental Protection Agency in Washington D.C.  They also have one daughter who teaches in a Christian school and is adjunct professor at two Philadelphia Universities.  Her husband serves as a Pastor in South Philadelphia and they have two fast-growing sons and one foster daughter (soon to be adopted).

José is no longer with Crown Financial Ministries. God has called him to begin Debt Free In Christ Ministry.  José hopes and prays that he can help fellow Christians move from the bondage of debt to the financial freedom of the Spirit-directed life. He is passionate about the transforming truth in God’s Word.  José and Evie are advancing forward with a clear vision and purpose, and in 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 2012 Debt Free In Christ.

Member of Ministry Alliance