In the end, you’ll get the credit help that you need to get back on track financially.

Did you know that by making only the minimum credit card payments on a ,000 credit card balance, at 18-22% percent interest, it would take you more than 33 years and ,000 to pay off the credit card? Imagine combining all of your monthly credit card bills into one single, manageable payment and reducing your interest by as much as 60 percent.

Information from all three reporting agencies can be obtained at

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With only three to four months of consistent, on-time payments to Trinity, our Debt Management Program will help bring your account to “current” status and start improving your credit rating.

Following just 12 months with a positive payment record, you’ll see dramatic increases in your credit score and you may even qualify for a loan to purchase your first home.

Plus, you’ll learn to live on a budget while you gain the pride that comes from knowing you have a practical, long-term debt management strategy to improve your credit rating.

In most cases, enrollment in our Debt Management Program will have a positive affect on your credit rating and/or credit score.

If appropriate, the counselor may also suggest referrals to other community organizations that may be of help.

Once the credit counseling session is complete, if your credit counselor thinks a Debt Management Program can help you, he or she will setup your account within our debt management system, send proposals to your creditors, and be your personal advocate throughout the entire process.Debt consolidation loans are always very costly in the long run.Plus, lenders may require that you borrow against your car or home, which puts your most valuable personal assets at risk.This allows us to determine your monthly income, expenses and creditor payments.After analyzing your financial “picture,” your counselor will make practical suggestions to help you improve your money management habits and get you back in control of your finances.Debt management plans will include a money-spending plan based on your income, expenses and lifestyle, which will help you manage the debt you have today and the money you’ll make tomorrow.