1. WHAT IS TRINITY DEBT MANAGEMENT SERVICES PURPOSE?
Answer: As a Debt Management Firm, we provide our Clients “hope” and “peace of mind” while assisting them with their Debt/Credit Management and Debt Elimination needs. We educate and equip the American Consumer how to manage and terminate their debt, manage their credit, and if necessary restore credit worthiness. We also assist Fraud Victims. Through our services, we show you how to:
1. Managing and Eliminating Debt for Debt Freedom
2. Restore Credit Worthiness
3. Create Wealth
4. Protect Wealth /Assets
5. Preserve Wealth
6. Prepare for Financial Independence
Client's participating in our Debt Management/Credit Management Programs also receive "Complimentary" Credit Restoration Services [no cost to the Client]. This service is contingent upon completion of Debt/Credit Management Program Procedures. (Clien'ts profile will be addressed during the Debt Management portion of our program, but not completed until the Debt/Credit Management Education Program is completed. The Debt/Credit Management portion of the programs should take less than 30 days to complete.)
The laws of California and the California Secretary of State govern our program services.
Note: No Client may receive Credit Restoration Services outside these guidelines. This would be in violation of the state laws governed by the Secretary of State [California Title 1.6E Credit Services, Paragraph 1789.13.]
2. IS TRINITY A CONSUMER CREDIT COUNSELING SERVICE AGENCY OR DEBT
CONSOLIDATION COMPANY AND WHAT IS THE DIFFERENCE BETWEEN YOU AND
ANY OTHER COMPANY?
Answer: TDMS is none of the above. We are not affiliated with Consumer Credit Counseling Service (CCCS) Agencies, often advertised as "non-profit" debt counseling companies. CCCS's Agencies offer potential clients a "reduced" monthly payment to creditors, but these monthly payments may or may not be approved by your creditors. It is not a guarantee. CCCS may or may not inform you that your creditor has not accepted their proposed reduction before your next payment due, which causes late payment and late status reported to the bureaus. These agencies have a track record of making payments to creditors late, and further decreasing client credit scores and credit worthiness. They also report to y our creditors that you are going through their program and it will report on your credit profile as "CCCS" or "Item included in Consumer Credit Counseling". It is look upon by future lenders as no different than a Chapter 13 Bankruptcy filing. For more information regarding CCCS.
Our program is also not a debt consolidation, as this only extends the amortization period and therefore increases the amount you pay in the long run, as does CCCS programs.
We are not a Credit Repair Company as we have found Credit Repair companies only address the symptom: bad credit, with out helping the client get to the root cause and provide a permanent resolution for them. Many of these companies thousands of dollars upfront, which is illegal for Credit Repair, and often, do not do the job they claimed they could, where deleted items reappear.
The other option many have considered is Bankruptcy, although the Bankruptcy Laws have changed, making it more and more difficult for individuals to be released from their debt. Congress is making the American Consumer responsible for their obligations and making them go through a Debt Counseling program such as ours, before they can be considered for filing.
Through our program services, you are CONFIDENTIALLY receiving Debt & Credit Management Education, tools and strategies to terminate your debt, restore your credit legally and responsibly, create wealth, and preserve your wealth through our asset protection programs, and enabling you to obtain your financial goals and the American Dream of Homeownership.
Answer: Once your case is reviewed and investigated by our staff, recommendations will be presented to you in the form of a proposal. The proposal will consist of detailed information about the program(s) recommended and fees for service.
3. HOW WOULD I KNOW WHICH PROGRAM YOU OFFER IS FOR ME?
4. WHAT IS THE PURPOSE OF PAYING THE INITAL PRE-CONSULTATION
FEE?
Answer: A $75 Pre-Consultation fee required to conduct an investigation to search for any technicalities and errors, and to determine which is the best program for you. This fee is not to pay creditors, debts, restore credit, make phone calls, or fax transmissions, but only to verify and investigate debts. After verification/investigation has been completed, the client will receive a separate proposal for a permanent resolution to your debt and credit issues, showing you how to get a return in the amount of $2,000 to $10,000+ (annually). Once we provide you our proposal for service, you have the option to accept or decline that proposal.
5. WHY IS IT NECESSARY TO RESPOND TO YOUR PROPOSALS WITHIN
24-HOURS?
Answer: Once an Enrollment Application is submited, it is given a case number. This case number is a very important tool used to track, verify the status of, and update each clients file. This is a very useful tool since our clientel base is so large. If the client does not respond within the required time period, the case number is transfered to the next client who is ready to begin the process. TDMS provides a high demand service and your cooperation helps us to know that you are prepared to conduct business.
6. CAN I GET HELP WITH MY CREDIT INSTEAD OF YOUR DEBT
MANAGEMENT PROGRAM?
Answer: No. Our programs are designed to get to the root of your debt problem. Bad credit or delinquencies reported on your credit profile are only a sympton of the root cause. In order for us to address your credit, you must be a participant of one of our debt management programs. In truth, if you did not have problems with your debts, your credit would never be an issue. The Debt Management/Credit Management Programs will position you to become credit worthy.
7. CREDIT RESTORATION - IS THIS LEGAL?
Answer: Disputing your credit report is your legal right. Credit Restoration is as legal as pleading "not guilty" in a court of law. The simple truth is that you do not have to endure bad credit for 7 to 10 years. It is possible to restore credit worthiness within a much shorter period. However you decide to address your credit challenges, realize that regardless of what you may hear in the news media, thousands before you have sought help and restored their credit. They can show you their homes and cars, and share their testimony of the fact that credit restoration can be obtained through legal means. Despite the newpaper articles, TV reports, and other credit bureau propaganda, the simple truth remains: You can restore your credit.Credit Bureaus and creditors advertise against credit restoration by a third party because individuals have been deceived and misled, paying more than what is reasonable and never received the services promised. Therefore laws have been put in place to protect the consumer from individuals who conduct such illegal and unethical practices. However, these laws do not indicate that credit restoration is illegal. As a Debt Management Company, we provide this portion of our services as "Complimentary", no charge to the Client. Click to see>> Testimoniesfor many who have seen first hand, the fruit of our labor.
8. HOW LONG IS THE PROCESS TO RESTORE MY CREDIT AND DEBT
ISSUES?
Answer: No Company can legally quote any time limits, as this cannot be predicted. Anyone who tells you they can has violated the Credit Laws and is providing an unethical service. Due to the severity of each individual file, the turnaround time periods are always different. Trinity Debt Management Services does not manipulate a computer system, hacking credit information to be removed. We challenge the technicality of each account requiring attention. The progress of your case will depend on your participation (sending updated credit reports received by the bureau in a timely basis,) the nature of your case, and the level of credit bureau cooperation. The Debt Management Portion of our program normally takes approximately 3 weeks, providing the client follows all instructions. The Debt Elimination portion of the program, if applicable, varies for each client. You can opt to be debt free in 36 months or less.
Answer: There is no way to determine the point increase change. This formula is controlled and monitored by the major bureau agencies. Your score is automatically adjusted by a database 30 days after any item is corrected on the bureau report. Remember that corrections normally affect the score.
9. HOW HIGH WILL MY SCORE RAISE AFTER YOU ARE DONE?
10. HOW SOON WILL YOU START WORKING ON MY CREDIT
MANAGEMENT PROGRAM?
Answer: Once you have signed and returned our "Client Instructions Acknowledgement Receipt" and the Debt Management Program documents, per the instructions, a representative will commence in starting your credit management program, including "Complimentary" Credit Restoration Services. Note: Credit Management involves assisting Client become credit worhty by disputing erroneous negative information reported on credit profile through the three (3) major credit bureaus. This does not address your debts with your creditors, who report to the major credit bureaus. Debts are addressed with creditors through one of our Debt Elimination Programs.
11. WHAT IF I DON'T HAVE TIME TO FOLLOW YOUR INSTRUCTIONS?
Answer: Our programs are only for the diligent. Our programs will become a difficult journey for those who are not diligent or unwilling to follow the prescibed simple instructions. Each client will receive a "Client Instructions" Sheet, which will explain the process of your particular program. You are required to sign a receipt stating you have read and understand your responsibility to follow all policy and procedures in order for TDMS to service your needs effectively.
12. CAN I CALL AT ANY TIME TO CHECK ON THE STATUS OF MY FILE?
Answer: This is not necessary. Immediately following your first submission, the credit bureaus legally have 30-35 days to complete their investigation process. The first notice you may receive is an "Investigation Notice" from each bureau agency. The bureau has 30-35 days from the date the notice was submitted, to reply back to you with a new bureau report with the investigation results. This will provide you the status you are seeking. Any other concerns can be addressed through e-mail. A representative will respond back to you as soon as possible.
Answer: As a Client, we will provide the necessary instructions to overcome this. Simply write down the representatives company name, the representatives name, and phone number. Do not make any agreements or commitments whatsoever. Do not give the creditor any information. Do not advise them you are going through a Debt Management Program, as this will jeopardize our efforts. Simply follow the Client Instructions that will be provided and you will have peace of mind. Creditors are known as tele-terrorists. They are hired to intimidate you into paying your outstanding negative debt. They will use whatever tactics they believe will work. They also are bound by laws that if violated, can result in a lawsuit against them. Make sure you review the Fair Debt Collection Practices Act provided in your instructions to familiarize yourself with your rights.
13. WHAT SHOULD I DO IF I RECEIVE HARRASSING PHONE CALLS FROM
CREDITORS OR COLLECTORS?
14. I AM NOT SURE HOW TO READ MY CREDIT REPORTS. IS THERE A WAY
TO HAVE A BETER UNDERSTANDING OF MY CREDIT REPORTS?
Answer: Yes! The credit reports received from the credit bureaus generally contain an explanation on how to read your reports. TDMS also invites each client to attend at least one of our Credit Report Workshops. Where you will receive this information. The workshop is given monthly for one hour. There is no fee required to attend this workshop and you may also invite a friend who is considering in becoming a client.
15. WHO PAYS FOR MY DEBTS IN THE DEBT ELIMINATION PROGRAM?
Answer: Debts are paid through funds established by the Client. You will be required to open a separate bank account (an account that you, the Client, solely controls) for the purposes of this program. Client commits to make a monthly debt payment into the account, of which funds will be utilized soley for the purpose of negotiating outstanding negative (unsecured) debts included in the program. Judgments and Tax Liens will be paid through offer and compromise (if necessary). TDMS will handle all aspects of the debt negotations with creditors.
18. ARE FUTURE DELINQUENCIES COVERED UNDER YOUR PROGRAM?
Answer: Not under the inital agreement you originally sign. A new agreement must be signed and fees paid to assist you for any future services. Therefore, it is important to keep all existing accounts current during the program. It is our goal that you will not need to obtain our services in the future.
20. CAN YOU SERVICE CONSUMERS IN OTHER STATES?
Answer: Absolutely! Our services are available to everyone within the United States.
22. WHEN AM I ENTITLED TO A REFUND?
Answer: A refund is allowable only when: 1) Client cancels agreement within the three (3) days "Right to Cancel" period. 2) When TDMS does not perform the services contracted. Note: Clients are not entitled to a refund if they are terminated as a result of non-compliance to instructions provided by TDMS, according to the Client Instructions and Consultation Agreement. This would be a breach of agreement. Secondly, if Client harasses TDMS to speed the process. This is a violation of Civil Code 653, harassment charges.
19. WHY SHOULD I HAVE TDMS NEGOTIATE MY ACCOUNTS? CAN I DO IT
MYSELF, AS WELL?
Answer: It is our experience that individuals who negotiate with creditors usually pay more than TDMS Clients. Creditors know that most clients will succumb to intimidation, fear, or embarrassment. They would prefer to put you back on a payment plan and earn interest rather than accept a lump sum payoff. In addition, the creditor is not likely to provide you, the Client, a Demand Letter (a statement of agreement to provide a deletion letter, paid in full, paid with zero balance, or similar verbiage) that would be used to update your credit report. Others usually pay the delinquent debt first and then request the creditor to delete or remove the item from their credit profile. Nine out of ten creditors will not proviquest. Our strategies are different and our results prove more favorable.
24. CAN YOU HELP ME IN FINDING A HOME AFTER THE PROGRAM IS
COMPLETE?
Answer: Yes! Trinity Debt Management Services provides home loan services through various lending institutions, whereby providing you the "best for less", and would be pleased to assist you in obtaining your home. If you already have a loan officer who referred you, TDMS will refer you back to them for their required services to be rendered, once you have completed our program. For California Residents, we will also refer you to an ethical Realtor.
26. WHAT MAKES YOUR COMPANY DIFFERENT FROM ALL THE REST?
Answer: You may visit the Better Business Bureau's website to find out more about us and our rating with them. You may review testimonies of previous Client. Additional references are available upon your request.
16. WHEN WILL TDMS START THE DEBT NEGOTIATION PROCESS?
Answer: TDMS will begin negotiations when the client has completed and sufficiently established available funds in their trust account. Building your trust funds as quickly as possible increases the chances of early success.
17. WHAT DEBTS CAN BE INCLUDED IN THE DEBT ELIMINATION PROGRAM?
Answer: All outstanding negative (unsecured) debts may be considered for coverage. However, small balance accounts may be inappropriate. Judgments and Tax Liens will be handled through offer and compromise.
23. I AM INTERESTED IN YOUR SERVICES BUT I DO NOT HAVE
TRANSPORTATION OR AM HANDICAPPED, AND UNABLE TO COME TO
YOUR LOCATION. WHAT CAN I DO?
Answer: All business, as an option, can be conducted through fax, phone, mail, or e-mail. Of course, you must have available a fax machine and/or have access to a computer to do this. We will communicate all instructions through these devices to better serve you. Payment for service can be transmitted online or cash deposit through our financial institution.
21. CAN ANYONE ENROLL IN THE DEBT ELIMINATION PROGRAM?
Answer: No. Our first step is to review your financial situation to see if you qualify.
Answer: This question is answered with a question. How much does your creditors have a legal right to collect from you?
If you're unsure, well there's your answer. Program fees cannot be determined until after completing our investigation. Once the initial Pre-Screening of your application is finished, our representatives will be able to determine: who is collecting from you. What is legitimate? Are you a victim of identity fraud? What accounts was actually paid? Are you on ChexSystems? Are there any pending lawsuits against you, etc? This is how the fee for service is determined. Not until our interview and investigation has been completed can we determine your fee. Your particular case may require multiple program services. It depends upon the severity of your case. No fee can be quoted prior to the completion of our interview and investigation, as an accurate quote is impossible until the investigation is completed. An inaccurate quote may jeopardize gaining the referral interest later when the investigation is complete. Your will receive our results in the form of a proposal. You have the right to accept or decline that proposal.
25. "#1 Question: HOW MUCH DOES IT COST TO DO THIS PROGRAM?"
27. HOW CAN I FIND OUT MORE INFORMATION ABOUT YOUR COMPANY
Answer: Debt Management organizations are normally affiliated with Consumer Credit Counseling. The objective is to extend the amortization period of your unsecured credit card debt, and or lower your interest rates for an additional three years. They believe this strategy actually helps the financial responsibility in maintaining and paying your liabilities in a timely manner each month. You are responsible to send a single payment to such agency to pay your bills. But unfortunately, this shows evidence you need help in paying your bills. Secondly, the items will appear on your credit profile as "Wage Earner" or "Consumer Credit Counseling" account. Lenders view and treat such activity no different than you filing for a Chapter 13 Bankruptcy. You are therefore treated as a risk, when it's time to apply for a loan.
Trinity Debt Management Services primary objective is to reduce expenses through education, teach how to become very conscientious about both your finances and credit, and restore yourself to become a credit worthy candidate in the process.
