You may want to think again before making your decision.
From individuals who have consulted with us, they have provided their statements from their servicing CCCS agency, as well as their creditor's statements. After reviewing them, we found that not only was the client being charged a small monthly fee, they were being charged $14,000 over a five (5) year period, over and above the amount they owed to their creditors.
Another individual, after enrolling into the program, at her creditor's advice since they themselves were not willing to reduce her monthly payments, referred her to contact a Consumer Credit Counseling Service agency and found out 60 days later that they and many other creditors would not accept CCCS's proposed reduction offer and those who did accept the offer, were paid late by CCCS. Now she has lates reporting on her accounts.
We are concerned that the Consumers best interest is at risk
Through research of our own, we found the following statement:
"Consumer Credit Counseling is like the "fox guarding the chickens." CCC agencies receive their income from the banks, yet they claim to represent the client. People are fooled (deceived) by the "non-profit" status of CCC agencies, and mistakenly think that there are no fees involved. CCC agencies do make money, and they do charge fees on top of what they receive from your creditors. ("Non-profit" simply means that they don't pay taxes on what they make.) Here's the bottom line: With CCC programs, you'll pay back more than 100% of what you owe, including intererst, late charges, penalties, and the monthly fees charged by the CCC agency. If that isn't bad enough, your credit will be ruined in the process. They claim to assist you with your debts, but never address your credit profile through the bureaus. They only advise your creditors that you are enrolled in their program. (Most lenders view Credit Counseling as a form of bankruptcy.)"
This information only further confirms the claims these individuals have shared with us.
IS THERE A BETTER WAY?
We believe that there is.
Trinity Debt Management Services is helping individuals and families to avoid the traps and snares of an enemy called "Debt". Through our Debt/Credit Management Educational Program services we are educating individuals and families that they must renew their minds to the true cause of their credit issues--DEBT. The lack of income/debt/credit management skills and strategies.
Through our Debt Elimination Program, we will step in as your "Power of Attorney" and negotiate settlements of your outstanding negative debts pennies to the dollar, but not until you are in position to do so. Your creditors have no knowledge of your existence in our program unless it is necessary to explain your current position; even then their is no reporting to the bureaus concerning your enrollment in our program services. Our assistance on your behalf is exercised with extreme confidence. In addition, through our Debt Management Programs we will dispute any erroneous negative information and update your account status for credit worthiness, with the most positive status possible, "FREE" to you [at no cost]. Credit Restoration is conditionally based upon Client's commitment to complete debt management program guidelines.
Through our Debt Exceleration Program, we will show you "The Master Plan" in paying off your current debts years sooner.
Review our Program Services to determine if our programs are right for you. You owe it to yourself to be informed so that you can make a wise and informed decision for your financial future. Your decision, if not the right one, can cost you seven (7) years of bad credit.
We are here to help!
