Business Details
32 Years
experience
Your Trusted Partner for Debt Relief Solutions
Trinity Credit Counseling has been a trusted nonprofit credit counseling agency since 1994, dedicated to helping individuals and families nationwide overcome financial challenges. Our team works directly with creditors to negotiate interest rate reductions and eliminate late fees, consolidating multiple debts into a single manageable payment. We provide comprehensive financial education, including free budgeting resources, instructional videos, and personalized counseling to empower clients with long-term money management skills. Certified by the Partnership for Financial Education, we adhere to the ISO 9001:2015 quality management standard, ensuring professional service delivery.With decades of experience, we specialize in debt management plans that typically help clients become debt-free within 3-5 years while saving thousands in interest. Our services extend beyond debt consolidation to include mortgage crisis support, student loan guidance, and community financial literacy programs. We maintain licensing in most U.S. states and collaborate with regulatory bodies to ensure compliance and consumer protection. Our mission remains focused on helping clients achieve lasting financial stability through transparent, ethical practices.
Services
Budgeting
Credit Counseling
Debt Management
Debt Settlement
Bankruptcy
Details
- Year established: 1994
Highlights and features
- Nonprofit status ensures client-focused service with no hidden fees
- Certified credit counselors with decades of combined experience
- Proven debt management plans saving clients thousands in interest
- Free financial education resources including budgeting guides and videos
- ISO 9001:2015 certified quality management system
Associations and certifications
- ISO 9001:2015
- Partnership for Financial Education
What people say
Life-changing support
Compassionate counselors
Significant savings
Debt-free success
Excellent service
Services
Debt Management Program
Our Debt Management Program consolidates multiple unsecured debts into one affordable monthly payment. We negotiate with creditors to reduce interest rates by up to 60% and eliminate late fees. Clients typically complete the program within 3-5 years, saving thousands in interest while rebuilding credit through consistent payments.
Credit Counseling
Certified credit counselors provide personalized financial assessments and tailored debt solutions. Services include budget creation, debt prioritization strategies, and financial education resources. We help clients understand their options for managing credit card debt, medical bills, and other unsecured obligations through ethical, sustainable approaches.
Budgeting Resources
We offer comprehensive budgeting tools and educational materials to help clients master money management. Our resources include free budgeting guides, envelope system templates, and digital budgeting app recommendations. Counselors teach practical skills for tracking expenses, prioritizing needs over wants, and building emergency savings to prevent future debt cycles.
Debt Settlement
For clients facing severe financial hardship, we facilitate debt settlement arrangements with creditors. This process involves negotiating to pay less than the full balance owed on unsecured debts. Our counselors guide clients through creating settlement funds and managing negotiations while emphasizing the potential credit implications of this debt relief option.
Bankruptcy Counseling
We provide mandatory credit counseling and debt management certificates required for bankruptcy filings. Our counselors explain alternatives to bankruptcy and help clients understand the long-term consequences of different debt relief approaches. We offer post-bankruptcy financial education to help rebuild credit and prevent future financial crises.
People
John Doe
Group Head of Digital Communications
John leads digital communications strategy with 15+ years of experience in financial services marketing. He oversees Trinity's online outreach initiatives and client engagement platforms.
Questions
What is a Debt Management Program?
Our Debt Management Program consolidates unsecured debts into one monthly payment with reduced interest rates and no late fees through negotiated creditor agreements.
How does credit counseling work?
Certified counselors review your financial situation, create personalized debt repayment plans, and provide ongoing support to help you achieve financial stability.
Can you help with mortgage payment issues?
We offer specialized counseling for mortgage delinquency and provide resources to help prevent foreclosure through loan modification options.
Are your services free?
Initial credit counseling is free. Debt management program fees are nominal and based on your specific financial situation.
How long does debt settlement take?
Debt settlement typically takes 2-4 years depending on your debt amount and creditor negotiation outcomes, compared to 3-5 years for standard debt management plans.
Do you offer online account access?
Yes, our secure client portal allows 24/7 account management, payment scheduling, and access to financial education resources.
