Client Login, 1997-2022 Debt Reduction Services. Our credit has really recovered and two different banks told us we had great credit. We cant imagine doing this without you guys. Your professionalism and no-judgmental attitude have helped us feel the freedom of debt chains falling off. 
Our Client Experience staff is here to help you regain your peace of mind. borrowing debt concept business rendering 3d We feel very blessed to have Trinity on our side, helping us as we work our way out of debt! Buy now, pay later (BNPL) is a payment plan that lets you break up, Give yourself the gift of a financial stress-free holiday this year! We couldnt get the credit card companies to work with us. Pay off your debts in 3-5 years. It may sound difficult, but with our assistance, a time will come when every penny you earn is under your capable control. I heard your ad on radio and called. Certified bankruptcy counseling and education, whether you are considering filing or you have already decided to file bankruptcy. Share sensitive information only on official, secure websites. On average, our clients pay off their debt in full up to 80% faster. The partnership with Army OneSource and the U.S. Department of Veterans Affairs helps military personnel and their families improve their financial literacy so they can navigate the unique financial challenges that they face, from deployment to transition to civilian life. Telephone: 1-800-992-4557 - TTY: 1-877-274-4309. Summary of Major Provisions Consumer Disclosures, Prior Consent, Notice of Availability of Paper Records. Housing counselors also provide free reverse mortgage counseling for seniors, as well as an online first-time homebuyer course that provides the certification you may need to qualify for closing cost and down payment assistance. Unless you have adjusted your browser setting so that it will refuse cookies, and by continuing to use our website, you agree that our system will issue cookies when you direct your browser to our Website. You can also sign up for free monthly webinars or watch past webinars on-demand. Ive been able to sleep peacefully and not worry so ridiculously since working with you all. Your Guide to Financial Independence and Education. You can learn about our three-step process below or contact us directly with any questions you have. 
) or https:// means youve safely connected to the official website. However, if you select this setting you may be unable to access certain parts of our Website. Youve eased our minds. Electronic Agent The term electronic agent means a computer program or an electronic or other automated means used independently to initiate an action to respond to electronic records or performances in whole or in part without review or action by an individual at the time or the action or response. 
As a non-profit agency, Trinity provides counseling and debt management services for individuals and families who are experiencing debt problems. Verify that the statement contains the following: Determine that the consumer, prior to consenting, is provided with a statement of the hardware and software requirements for access to and retention of electronic records. Whether you are already a client or would simply like to speak to a Credit Counselor about your situation we are here to help. Fantastic service and a big help on solving some of my credit cards debts. Ive had good customer service the entire time. Executive Office of Health and Human Services, Massachusetts Department of Veterans' Services. Set Holiday Spending Limits. Learn more about our, Find out your options with one of Trinity's Certified Credit Counselors absolutely free, We'll negotiate with your creditors and help to lower your interest rates and reduce fees, Save thousands of dollars and years of time becoming debt free with Trinity. Check out our sister agency Advocacy Programs. Each of us at Christian Credit Counselors are prepared and ready to help.. The majority of our clients increase savings and decrease debt by 10% in only six months. In response to a consumer request, disclosures should be made available in a reasonable amount of time and may be electronic if the consumer agrees. The program is easy! I enjoy guiding people through our process and making sure they are equipped with all the information they need to get started with their new life. How much do you agree with the following statements in the scale of 1, Strongly Disagree, to 5, Strongly Agree? Information The term information means data, text, images, sounds, codes, computer programs, software, databases, or the like. | Website Development by Pros4Technology. *The Executive Office of the U.S. We are in the home stretch. I have been extremely satisfied with this company. We are here to help. Would you like to provide additional feedback to help improve Mass.gov? We do not lend money. All Rights Reserved. All Rights Reserved. Pursuant to the Final Rules, electronic disclosures should be made using a method best suited to the particular type of disclosure. Trinity helped. Determine that the consumer, prior to consenting, is provided with a clear and conspicuous statement informing the consumer of any right or option to have the record provided or made available on paper or in non-electronic form, and the right to withdraw the consent, including any conditions, consequences, or fees in the event of such withdrawal. Learn how to avoid foreclosure and bankruptcy. Each of us at Christian Credit Counselors are prepared and ready to help.Elda, Certified Credit Counselor. Clear, unbiased guidance from a certified Credit Counselor who will help you develop a personalized plan for managing expenses and paying off your debt. Trinity Debt Management is not a lender and does not lend money. You can do it and we can help. Topics include daily expense management, retirement, applying for loans, credit cards, and insurances. Whatever the form of debt, our agency is here to help. These are just some of the creditors we work with to help our clients every day. Our mission is to help people end financial crises through education and professional counseling. ", "Now that I'm out of debt I can enjoy the rest of my life. Stay informed - subscribe to our monthly newsletter. We understand. This site is the exclusive property of CCCS of Buffalo Inc., copyright 2022. There are exceptions to the consumer consent requirement for electronically providing certain types of disclosures when the consumer is using electronic means such as a home computer. All rights reserved. Thank you for being so easy to work with. (See what I did there?) I would have done this years ago if I had known it would be so easy. Once youre on your way, youll have a personal obligation to improve your money management skills. We want to hear about your experiences while trying to get a small business loan. We can consolidate any of your unsecured debt such as credit cards, medical and personal loans. I was unsure about joining but after speaking with agents and reviews and also You have been extremely helpful in guiding me all the way. If a debt management program is right for you, your counselor can also help you enroll immediately. The Customer Service department Review case studies from real debt management program graduates to see how credit counseling helped them find debt relief through credit consolidation. The E-Sign Act requires a financial institution to maintain electronic records accurately reflecting the information contained in applicable contracts, notices or disclosures and that they remain accessible to all persons who are legally entitled to access for the period required by law in a form that is capable of being accurately reproduced for later reference. I was drowning in debt and theTrinityprogram was able to handle all but 1 odd creditor. If a change in the hardware or software requirements need to access or retain electronic records creates a material risk that the consumer will not be able to access or retain subsequent electronic records subject to the consent, a financial institution must: Oral communications or a recording of an oral communication shall not qualify as an electronic record. Here is a list ofClient Reminders and Frequently Asked Questionsthat were created to help our help make our debt management program a successful experience! American Consumer Credit Counseling (ACCC) is a nonprofit (501) (c)(3) organization that empowers consumers with financial education to build a better life. You do not have to be academically gifted for many scholarships. The steps weve taken with Trinity were the right moves. He was very helpful. Approval does not endorse or assure the quality of an Agencys services. Federal Regulatory Agency The term Federal regulatory agency means an agency as that term is defined in section 552(f) of Title 5, United States code. ", "I received the best advisement and have total faith and believe in your organization. You are a shining example to the world of business that professionalism can be upheld through kindness, understanding and service. Trustee has approved Family Service Association to issue certificates in compliance with the Bankruptcy Code. You gave me so much hope for moving forward with my debt. c. informs the consumer how the consumer may nonetheless request a paper copy of a record and whether any fee will be charged for that copy. 
See Section 101(d). ", "We didnt know where to turnIt feels like a huge weight has been lifted off our shoulders. Terms of Use Trustee has approved Family Service Association to issue certificates in compliance with the Bankruptcy Code. Transaction the term transaction means an action or set of actions relating to the conduct of business, consumer, or commercial affairs between two or more persons, including any of the following types of conduct: 1. the sale, lease, exchange, licensing, or other disposition of, (i)personal property, including goods and intangibles, (ii) services, and (iii) any combination thereof; and. Born out of Consolidated Credits Financial Literacy in the Workplace Program, KOFE is a financial wellness program that helps businesses, financial institutions, government agencies and nonprofit organizations support their employees and members to build financial literacy through a 3-pronged approach of self-learning, classroom education and one-on-one financial coaching with certified credit counselors.
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