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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.

Want to know which debt settlement companies are top rated? Click here

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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1 Trinity Financial Mission Reviews

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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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