Best Debt Companys

162 Companies 3,181 Real Customer Reviews

Trinity-Financial-Mission
Current

What Others Are
Researching Right Now:

#26
Trinity-Financial-Mission

Trinity Financial Mission

17 years in business

Our Score
3.8
User Score
8.0

Visit Site

Our Score
3.8
User Score
8.0
Rank this Company

Ratings Breakdown

Price

% of total debt / % of debt saved
Varies

Accreditations

AFCC or IAPDA
None

Free Consultation

is one included?
Yes

Time in Business

total # of years
17 Years

Min. Debt

Min. debt accepted
$10,000

Guarantee

money back guarantee?
Unknown

Number of Reviews

User reviews here on BDC
1

This Review is maintained by

Review Last Updated: December 21, 2016

Founded 17 years ago on Christian principles, Trinity Financial Mission was created with the intent to not just help others resolve their financial problems but to help in relieving the emotional burdens that come with excessive debt. With the help of bankruptcy attorneys, CPAs and financial planning professionals, Trinity Financial Mission aims to guide those who are struggling with debt to the financial freedom they seek.

Rank Chart
Price (% of debt)
Smallest Debt Accepted
Review

#1

15-25%
$7,500

#2

15-25%
$7,500

#3

15-25%
$7,500

#26
Trinity-Financial-Mission

Varies
$10,000

The Good

For Christians across the United States, Trinity Financial Mission brings to the table consolidation and settlement services, claiming to help consumers under the heavy burden of debt relieve the stress to bring clients closer to “Him.”

What sets this company’s programs apart is the ability to authorize non-profit service providers to work on behalf of each client. Because they take this approach, fees are typically nominal and assessed according to the financial situation of the client, or so they claim although we were left a little confused by their $10,000 minimum unsecured debt enrollment amount if they claim to work with non-profit affiliates.

During the initial consultation they claim to go over individual finances, the total debt amount and to discuss payment plans and options including whether do-it-yourself, consolidation, a debt management plan or settlement is the best plan. Interested parties can either fill out an online form on the website to express interest in a free consultation with one of the company’s debt experts or they can call in and request more information and set up a consultation over the phone.

Highlights to this company include:

  • 17 years of experience
  • Free consultation

The Bad

One of our biggest concerns is their lack of fee structure or company transparency all together. They say they help Christians, but we are unable to discern if they can really help anyone at all. The company has various reviews around the web, although we were unable to find any updated information pertaining to customer satisfaction or even what this company is all about. It seems any information ceases to exist after 2010.

Another concern is their lack of an escrow account or policy. While this can make clients feel a little more independent with their finances, it seems a dedicated account to save funds toward negotiation is the safest method for those with outstanding debts—especially under the requirement of $10,000 or more to be enrolled into their program.

The company claims to handle debt settlement along with debt consolidation, although their website has very little information pertaining to their settlement services and seem to be strictly focused on debt consolidation.

They do not offer an online dashboard allowing client’s the ability to keep track of applicable information with their account. In addition, they hold no AFCC or IAPDA accreditation.

The Bottom Line

Trinity Financial Mission is one of those companies who completely lack transparency. Their fees are unclear and customer service has been unhelpful by being unresponsive to our inquiries. Overall we do not recommend using Trinity Financial Mission for any debt settlement needs. There are other accredited companies that offer cheaper services and better customer service.

Click Here for Our Top Recommended Debt Settlement Providers.

Price

Price will vary depending individual circumstance. The initial consultation meeting should provide an estimate in costs per month and overall.

Up-Front Fees

No upfront fees are required with debt settlement services.

Free Consultation

A free initial consultation is offered to go over individual finances, the total debt amount and to discuss payment plans and options including whether do-it-yourself, consolidation, a debt management plan or settlement is the best plan. Interested parties can either fill out an online form on the website to express interest in a free consultation with one of the company’s debt experts or they can call in and request more information and set up a consultation over the phone.

Time in Business

Founded in 1998, Trinity Financial Mission has been in business for 17 years.

Debt Education

This company offers coaching services, debt management programs, resolution programs and debt counseling along with their actual debt consolidation or debt settlement services. They also keep their site updated with blog posts, relevant articles and tips and quotes for encouragement and insight on getting and staying out of debt. Their Facebook page provides much of the same and debt counselors are available for follow up calls and continued assistance.

Money-Back Guarantee / Cancellation Policy

The site and website mention nothing in regards to a cancellation policy or any type of guarantee. This would likely need to be asked of a representative of specialist that works for the company which will require calling in to the customer service line and hopefully hearing back within a 24 hour period. 

Unsecured vs. Secured Loans

They work with unsecured loans.

Mobile-Friendly Site

No. They do not have a mobile app or a mobile friendly website. While you can see the site on mobile, it is not easy to use.

Contact Information

Email Address:

None listed on website or Facebook page

Address: 

62 Dallas S/C Suite 313, Dallas, PA 18612

Services Provided

Trinity Financial Mission offers debt settlement services and debt consolidation depending on individual needs and goals.

Minimum Debt Accepted

A minimum total debt of 10,000 is required for acceptance into any of the Trinity Financial Mission programs.

Online Dashboard

No, there is no online dashboard for clients who are on the debt settlement program. There is a dashboard for those who do the credit counseling program though.

Accreditations

No, they do not have accreditation with the AFCC or IAPDA.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

Request Reconsideration

1 Trinity Financial Mission Reviews

1. Select Your Rating:

1
0=WORST 10=BEST

2. Subject For This Review*(Select all that apply)

3. Review Validation*

or

    Sort By:

  1. User Score
    8
    October 1st, 2014 Gardners, PA
    0 people found this review helpful!
    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!

    Read More

Poll

  • When looking for a debt settlement company, which of these two aspects is most important to you?
  • Takes your existing debt and try to settle with your creditors for a lower amount. If you pay off the settled amount, your debt will be considered paid in full.
  • Negotiates with your creditors on your behalf.
  • Fee based on a percentage of your total starting debt or a percentage of the debt they save you.
  • Most settlement companies have you create a separate "escrow" account where you will make monthly contributions over a certain amount of time to contribute to your settlement. Once there is a substantial amount of funds to show your creditors, the settlement company will try to negotiate a lower amount of debt.
  • Combines all your debts and creditors into one monthly payment.
  • Allows you to pay one monthly payment to the consolidation company, instead of multiple payments to different creditors.
  • You no longer owe your original creditors; instead you pay one monthly payment to your consolidation company.
  • Consolidation companies can help negotiate lower interest rates on your debts and help lower your total debt payment in the long run. A lower interest rate will lower the amount you owe in the end.
  • Allows you to consolidate all your different debts into one personal loan that can be paid off over time.
  • Can offer borrowers a lower interest rate with a longer payback term (compared to high-interest credit cards or medical bills). This will lower the amount of money required to pay off the loan over time.
  • Personal loan debt consolidation can be an effective way to raise your credit score quickly (within 3-6 months).
  • Borrowers can receive funds from their loan within only a few days.

Recent News:

Want us to review a company?

If there is a debt company that you don't see on our site, and would like us to review, please contact us.

Real Reviews (yes they’re real)

With so many debt relief companies out there, and a lack of sites willing to bring you the HONEST breakdowns of each company, what source can you turn to for the real information you can trust?

We are dedicated to bringing the truth out, and rank debt relief companies as they should be. Through our investigation, and experience with each company, we rank each company, and bring you our honest, unbiased opinion. We also include authentic user reviews by past customers of each company that are moderated and verified.

Like many sites, we are compensated through affiliate relationships with each company we review, however all of our rankings are based on our 11-Point Ranking Criteria.

All reviews are subject to moderation and approval. Any reviews that may resemble false information, or competitors of another company will need to be verified by our staff before being approved and published. We reserve the right to approve or deny any reviews left on this site.

Step 1: Introduction

We'll get you set up with Trinity Financial Mission

By submitting this form, I consent to receive calls using automated technology from Trinity Financial Mission at the number provided and understand this is not a condition of purchase.

Our Score
3.8
User Score
8.0
Rank this Company

Ratings Breakdown

Price

% of total debt / % of debt saved
Varies

Accreditations

AFCC or IAPDA
None

Free Consultation

is one included?
Yes

Time in Business

total # of years
17 Years

Min. Debt

Min. debt accepted
$10,000

Guarantee

money back guarantee?
Unknown

Number of Reviews

User reviews here on BDC
1
Our Score
9.5
User Score
9.6
Rank this Company

Ratings Breakdown

Price

% of total debt
15-25%

Accreditations

AFCC or IAPDA
AFCC & IAPDA

Free Consultation

is one included?
Yes

Time in Business

total # of years
14 Years

Min. Debt

Min. debt accepted
$7,500

Guarantee

money back guarantee?
Yes

Number of Reviews

User reviews here on BDC
285