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Trinity Debt Management review

Can this faith-based program get you out of debt?

How does Trinity Debt Management work?

Trinity Debt Management, also called Christian Credit Counseling, creates a plan so you can pay off your debt with a single monthly repayment. It negotiates with your creditors — and claims that it can lower your interest rates and late fees by up to 60%.

It also provides credit counseling services and educational tools so you can learn how to manage your finances and avoid accumulating large amounts of debt in the future.

How much does it cost?

Since Trinity doesn’t provide any information about fees online, it’s difficult to estimate the cost of the program. This lack of transparency also makes it difficult to compare Trinity to other debt management companies.

Online customer reviews mention low monthly fees, but you’ll have to contact Trinity directly to determine what fees you would be charged.

How much could I save with Trinity Debt Management?

Trinity’s debt management program is designed to lower your interest rates to help you pay down your debt faster. Trinity claims it can lower interest rates to between 5% and 10%. Many customers are able to pay off their debts within three to five years.

Is Trinity Debt Management legit?

Trinity has a secure website, and its privacy policy states that it won’t sell or rent your personal information without your written consent. However, it isn’t accredited by industry organizations like the American Fair Credit Council (AFCC) or the International Association of Professional Debt Arbitrators (IAPDA). These accreditations are important because they ensure debt management companies are operating under key industry standards and can guarantee a minimum quality of service.

Compare debt relief companies

Get a free quote from a top debt relief company before you commit to a program.

Name Product Costs Requirements
Accredited Debt Relief
Charges and fees vary by the company you're ultimately connected with
Must be at least 18 years old and a legal US resident; additional terms may apply based on services and products used.
This A+ BBB-rated service offers free consultations to lower your monthly payments help you get out of debt faster.
National Debt Relief
15–25% of total enrolled debt
Must have a legitimate financial hardship which is preventing the ability to pay creditors and a minimum of $7,500 in debt.
Get back on your feet with a top-rated company that works with multiple types of debt.
Freedom Debt Relief
Monthly payment based on enrolled debt, no upfront fees
Must have at least $7,500 in unsecured debt, have a hardship is preventing the ability to pay creditors, and live in a serviced state.
Freedom Debt Relief works to help people with unmanageable, unsecured debt get back on their feet.

Compare up to 4 providers

Before you sign up with a debt relief company

Debt relief companies typically charge a percentage of a customer’s debt or a monthly program fee for their services. And not all companies are transparent about these costs or drawbacks that can negatively affect your credit score. Depending on the company you work with, you might pay other fees for third-party settlement services or setting up new accounts, which can leave you in a worse situation than when you signed up.

Consider alternatives before signing up with a debt relief company:

  • Payment extensions. Companies you owe may be willing to extend your payment due date or put you on a longer payment plan if you ask.
  • Nonprofit credit counseling. Look for free debt-management help from nonprofit organizations like the National Foundation for Credit Counseling.
  • Debt settlement. If you can manage to pay a portion of the bill, offer the collection agency a one-time payment as a settlement. Collection agencies are often willing to accept a lower payment on your debt to close the account.

Trinity Debt Management reviews and complaints

Trinity Debt Management doesn’t have a BBB page — and the majority of reviews on its TrustPilot page are from 2018 or earlier. Positive customer reviews center on solid customer service and helpful agents. Many clients say they like the fact that Trinity is a Christian organization that successfully helped them pay down their debt. However, Trinity hasn’t taken the time to respond to any of its reviews, which may indicate lackluster customer service.

What is Trinity Debt Management?

Trinity has been in business for over 20 years and has worked with thousands of people through its debt management, community outreach and educational programs. It has a wealth of educational information online, including ebooks and links to financial resources.

How do I get started?

To register for a free debt analysis, visit Trinity’s website and follow these steps:

  1. Click Get started now to launch Trinity’s registration form.
  2. Enter information about yourself, including your full name and contact details.
  3. Add information about your accounts, including the creditor’s name and your monthly payment.
  4. Click Submit application.

I’ve signed up. What happens next?

A Trinity credit counselor will work with you to create a plan that fits your unique situation.

  1. Wait to be contacted. A Trinity credit counselor will contact you within 24 hours of signing up.
  2. Debt analysis. The counselor will perform a complete analysis of your financial situation.
  3. Set up a payment plan. After your financial analysis has been completed, your counselor will then determine a payment plan designed to meet your needs.
  4. Pay down your debts. Once you’ve locked yourself into a payment plan, start making payments and see them through until you are debt free.

Trinity offers debt management plans through a nonprofit structure. But before you sign up, compare your debt relief options to ensure you’re making the right decision for your finances.

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