Trinity Debt Management (TDM) was founded in 1994 as a non-profit agency to help foster effective personal money management. The company works with creditors on its customers’ behalf to lower interest rates and consolidate monthly payments into one. Many people who enroll with Trinity Debt Management have been able to become debt free in just 3-5 years.

The company offers reasonable fees, certified debt counselors, and a free consultation to get started. Additionally, the company is accredited with the FCAA, and is ISO certified. Further, the number of states that the company services is unknown.

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Trinity Debt Management Reviews |


The Good


Trinity Debt Management has been around for over 20 years, and experience absolutely matters in the debt consolidation industry. It often means a company has better established relationships with creditors (meaning lower rates for their clients) and more expertise in helping clients change their financial habits.

In addition to how long the company has been around, TDM is accredited with the Financial Counseling Association of America (FCAA). This ensures that financial counselors adhere to strict quality service standards and practices. Additionally, the company is ISO certified, which ensures that the company is following the standard procedures and practices for the industry.

Client Login

Another great aspect about TDM is that on its website, there is a client login for company clients to view their account information, track their progress, and stay up to date on their debt management program.

Company Highlights

  • Over 20 years in business
  • Free consultation
  • Certified debt counselors

The Bad

Missing Information

There are a lot of unknowns with TDM. The company does not disclose the interest rates that it can secure from creditors upfront, making it difficult to compare overall cost with other companies in the industry. Additionally, Trinity does not have any available information about upfront and monthly fees.

No NFCC Accreditation

Although the company is accredited with the FCAA, TDM is not accredited with the NFCC. Other companies of this size and with this much experience usually have at least one if not both of these accreditations.

No Available State Information

One important aspect that we take into consideration when scoring companies is what states they service. Some companies service all 50 states while others only offer services to a select few. Trinity Debt Management does not make this information available, making it hard for potential clients to feel confident in signing up for its services. We would prefer to see TDM feature this information on its website to add to the level of transparency that it can achieve.

Company Drawbacks

  • No NFCC accreditation
  • Unknown interest rates and fees
  • Unknown state coverage

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The Bottom Line

Although Trinity Debt Management has been in business for a long time and has many attractive features about its services, including an accreditation with the FCAA and a free consultation with a certified credit counselor.

However, there are many unanswered questions about the company’s offering. Trinity also does not make the interest rates it can secure known, and they are not accredited with the NFCC. Trinity debt management may be a great company, but with all of these negative factors combined, TDM does not make it to the top of the list. In comparison, there are other companies that are more transparent with their services and other pertinent information. Therefore, we cannot recommend Trinity Debt Management at this time but suggest looking into other options.

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Frequently Asked Questions

Does TDM Offer Consolidation Services or Personal Loans?

Instead of offering a personal loan which can be used to consolidate your debts, Trinity Debt Management offers what they call a “debt management plan” which is essentially a debt consolidation program. The company works with each of your creditors to to lower interest rates. The customer pays TDM, and then the company will pay each creditor for you. This eliminates creditor fees and collection calls. Many people can repay their debts in full between 3-5 years.

What Is The Monthly Fee?

Trinity Debt Management does not disclose its monthly fee.

Are There Any Upfront Fees?

TDM does not disclose its upfront fees.

What Is The Cancellation Policy?

The company does not require a contract to enroll, and you will only pay fees for the months that you enroll. Clients can leave at anytime. If you choose to leave, your payments and interest rates may revert back to what they were before enrolling in the program.

Can I Get a Free Consultation?

Yes. TDM offers a “Free Debt Analysis” where a counselor will speak to you about your individual situation and then make a recommendation for the right kind of debt assistance.

Frequently Asked Questions

More Information

About Trinity Debt Management

Trinity Debt Management has been in operation as a non-profit agency since 1994. The organization has helped thousands of individuals find relief from the weight of large amounts of debt. TDM specializes in helping people pay off credit card bills and other unsecured debts, but it also helps with mortgage advice and re-structuring student loans. In addition to its many services, Trinity offers many self-help materials as well as advice and education from qualified experts.

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    June 3rd, 2016 Frederick, CO

    I used Trinity back in 1997 and they were great! I met with a counselor, brought in all my statements and they worked it all out. There was no start-up fee, and I believe there was a very small monthly fee… something like $15? It was such a relief! When creditors called I gave them my account number with Trinity and sometimes the phone number. Some of them already had the number. I had a manageable payment, my interest rates went down, some immediately, others after a couple months of on-time payments. I made one payment to Trinity. It was not a loan, they were just the middle man. My experience with them is dated, but I can say it was a very positive experience for me.

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