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Founded 17 years ago on Christian principles, Trinity Financial aims to relieve both the financial and the emotional burden associated with debt. Although they bring a lot of experience to the table, details on their service are difficult to find.

The Good

  • The company has over 17 years of experience
  • Offers free consultation over the phone to see if they are right for you
  • Great customer Service

Different Service

Trinity claims the ability to authorize non-profit service providers to work on behalf of each client, which they claim results in more nominal fees which are assessed on a case-by-case basis for each case. They offer a free consultation which may help potential clientele assess whether or not they’re 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, their customer service seems to receive favorable reviews as well.

The Bad

  • Minimum of $10,000 debt to be enrolled (slightly more than the average settlement company)
  • We do not know which states they are available in
  • No AFCC or IAPDA accreditation
  • Missing key points of information; shows a lack of transparency

Transparency Issues

Our chief concern with Trinity Financial Mission is a lack of transparency. It is difficult for us to evaluate their costs compared to the competition since they claim the % 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 their claim to enlist the services of non-profit organizations to help settle debts, one might question why they have 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 them.

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The Bottom Line

Although we applaud the fact that they’ve 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 their pricing, to their accreditations, to their service area; there are major transparency issues at play and thus we don’t feel comfortable recommending them at this time.

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Frequently Asked Questions

How Much Does Trinity Financial Mission Cost?

Trinity Financial Mission has not disclosed this information.

Are There Any Up-Front Fees?

Possibly. The company makes no mention of whether or not it charges an up-front fee for its services. According to the Federal Trade Commission for-profit companies cannot charge up-front fees for their services. However, the FTC’s rule does not cover nonprofit firms. Trinity Financial Mission’s Christian Debt Program is administered by a nonprofit 501(C)(3) which leads us to believe that they may charge up front fees.

Can I Get a Free Consultation?

Yes, the company does offer a free consultation over the phone.

What Types of Debt Does Trinity Financial Mission Work With?

Trinity Financial Mission works to help consumers settle unsecured debt by working directly with creditors to seek a lower payment amount.

What Is the Minimum Debt Amount I Can Sign Up With?

The organization requires that individuals have at least $10,000 in unsecured debt in order to enroll in its program.

More Information

About Trinity Financial Mission

Trinity Financial Mission is a Christian organization focused on helping people find solutions to their debt through Christian principles. The company started out in 1998 as an outreach mission that provided education on financial matters on Biblical teachings in relation to finances. As the organization started to grow, a bankruptcy attorney, two financial planners, and a certified public accountant joined, and the company decided to expand its services to make more of an impact in people’s lives. Trinity Financial Mission offers debt consolidation and debt settlement services as well as debt educational resources.



Account Set-Up

  • Free consultation: Yes
  • No up-front fees: Undisclosed
  • Personal consultant during the settlement: No


  • AFCC accredited: No
  • IAPDA accredited: No

Time in Business


Minimum Debt Requirement


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    March 19th, 2016 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!

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