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Trinity Financial Mission

Is This Your Business?
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LAST UPDATED: March 28th, 2022

Founded 23 years ago on Christian principles, Trinity Financial aims to relieve both the financial and the emotional burden associated with debt. Although it brings a lot of experience to the table, details on its services are difficult to find.

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The Good

  • Different Service
  • Great Customer Service
  • Time in Business

Different Service

Trinity claims the ability to authorize non-profit service providers to work on behalf of each client, which it claims results in more nominal fees, which are assessed on a case-by-case basis for each case. It offers a free consultation which may help potential clientele assess whether or not it's a good fit for their situation.

Great Customer Service

Customers have indicated they were satisfied with the settlements obtained by the company, reporting reductions by as much as 60% on unsecured credit card debts. Additionally, its customer service seems to receive favorable reviews as well.

Time in Business

The company has over 20 years of experience.


The Bad

  • Transparency Issues
  • No Industry Accreditations
  • High Minimum Debt Requirement
  • No Available States Information

Transparency Issues

Our chief concern with Trinity Financial Mission is a lack of transparency. It is difficult for us to evaluate its costs compared to the competition since it claims the percent cost varies on a case-by-case basis. There is also no mention of whether or not the organization charges an up-front fee for its services.

The FTC prohibits for-profit firms from charging these types of fees, but Trinity Financial Mission's debt settlement program is administered through a nonprofit, so it does not fall under the FTC's rule for up-front fees. In short, the company may charge a fee up front.

No Industry Accreditations

We also weren't able to locate any sort of industry accreditations to help assure potential clients that the company follows best practices for the debt settlement industry.

Top companies typically hold accreditations with the International Association of Professional Debt Arbitrators (IAPDA) and the American Fair Credit Council (AFCC), but Trinity has none of these. It is difficult to determine whether or not the company has good business practices without being audited and reviewed by these organizations.

High Minimum Debt Requirement

Another concern is that Trinity will only take on cases which hold a minimum of $10,000 in unsecured debt. Considering its claim to enlist the services of non-profit organizations to help settle debts, one might question why it has such a high minimum.

No Available States Information

We were unable to locate information on which states Trinity is licensed to do business in, which may be frustrating for those considering working with it. 


The Bottom Line

Although we applaud the fact that it has been in business for such a long time, the simple fact of the matter is that very little is known about Trinity Financial Mission. From its pricing to accreditations to service area, there are major transparency issues at play, and thus we don't feel comfortable recommending the company at this time.

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Christina Simmons Tehachapi, CA

Trinity bought a second mortgage on my property I have no idea when they purchased it and knew nothing about this company until they sold my house and told me and my 4 kids to get out! I was in close contact with my first lender telling them I was receiving strange foreclosure notices with no name on then my lender said it was probably a scam and not too worry because I was perfect in payment. Trinity foreclosed on my house and sold it to themselves and the only way I knew this was to go to the county assessor. A Trinity lawyer told us to leave and we went to the courts to ask for time to find a place to live. It was granted. It has been ,2 years now and Trinity still has not paid off the first mortgage so every month I get dinged on my credit report for not paying for the house Trinity bought and kicked a Christian family out of. It's is terrible for a company to use Christianity when they are the snake of satin hurting good Christian people. What eases my mind is that God will take care of this company and the owner who uses his name in vain. Buyer be ware!p

6 years ago

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Brian Gardners, PA

Got a really good settlement on my bank of america card through TFM. 63% off the principle. No problem with customer service either. BBB has them listed as an F with 3 complaints in 16 years, honestly BBB is a scam!

9 years ago

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Christi Lewiston, ID

Trinity keeps sending me statements of debt for a second mortgage we had many years ago that was consolidated 11 years ago. The debt can not be found anywhere, because there is none. I have sent a letter twice to them with the proof that the mortgage was consolidated, although they keep harassing us with debt collection letters with over $60,000 in interest charges. Trinity is a scam!

7 years ago