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Home > Ask The Get Out of Debt Experts > Why Are Trinity Financial Mission, Credex Choice and Good Shepard Debt Solutions All Answered By The Same Person? – Ross

Why Are Trinity Financial Mission, Credex Choice and Good Shepard Debt Solutions All Answered By The Same Person? – Ross

“Dear Steve,

I saw a posting about Trinity Financial awhile back. In that posting a person said she was gonna start the process you suggested about stopping the debt management process and demanding her money back. Did you ever here how this turned out?

I to have a debt management program with Trinity Financial or Good Shepherd or Credex Choice and to this point has not had much for results. I may be headed down thais same road in the near future.

In doing some digging lately I have fouind out that the 3 firms I named above all have the same address in PA and when I call all the phone numbers I get the same call center and the same counselor. Have you heard any more on these businesses. I did read your review from a few years back

Ross”

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The Answer

Dear Ross,

Well I’ll be darned. It appears you are correct.

I contacted Credex Choice and the recorded message said they were Trinity Financial. A Call to Good Shepard Debt Solutions was uniquely similar to the message and prompts on the Credex call. I was however unable to speak to a human.

I did notice that both Trinity Financial Mission and Credex Choice share the same toll-free number, 800-646-6146.

Why Are Trinity Financial Mission, Credex Choice and Good Shepard Debt Solutions All Answered By The Same Person?   Ross

It does seem very odd and unusual especially in light of the biblical mission they claim on their Trinity site.

Our Mission

While our primary function is to assist you on your path to financial freedom, our primary mission is to relieve this burden and bring you closer to Him.

Trinity Financial Mission began in 1998 as a small outreach mission that provided educational services on financial matters and on Biblical teachings regarding finances. Within the first year, the Mission attracted the attention of some prominent members of the community, including a bankruptcy attorney, a certified public accountant, and two financial planning professionals. With their input and guidance, we realized that the community would benefit on a deeper level if we could expand upon the tools that we were offering.

In addition to educational materials and coaching services, we added non-profit debt management programs and resolutions programs to our offerings. These programs provided nuts-and-bolts financial benefits, such as reduced interest rates and lower payments, which we had not previously been able to provide through education alone.

Today, Trinity Financial Mission consults with Christians from all over the United States, with occasional inquiries made from overseas. We understand that financial issues affect many aspects of life, including family and work, and can even make some people question their faith. As a Christian organization, we strive to help you find solutions to your debt so that you can begin to enjoy life in a more peaceful fashion and regain your faith in God. – Source

The recorded message I heard when I called said that the services offered were based on biblical principles. I’m not quite certain which part of the Bible says it is honest and transparent to have three different Christian based debt relief companies all funnel into the same apparent backend system. Why not just one face to the world?

Why Are Trinity Financial Mission, Credex Choice and Good Shepard Debt Solutions All Answered By The Same Person?   Ross

The Good Shepherd site has an even stronger Christian message than the others. In the FAQ section it says:

Q. How does the Christian debt program work?

A. Shortly after you submit the information request form, a highly-trained Christian debt adviser will contact you to help you to assess your current debt situation and to explain specific Christian-based debt programs. If we are able to find a Christian debt program that fits your goals and needs, you authorize our non-profit service provider [They are not a non-profit company so they must send you off to someone, the provider, and that supports my belief they are a lead generating outfit.] to contact your creditors. Our Christian debt advisers will arrange to get your interest rates and monthly payments reduced to an amount that you can afford to pay. From that point forward, you no longer have to pay high interest rates and fees. All of your debts are consolidated into one simple, manageable reduced payment which you submit through the Christian debt program. The funds are then automatically forwarded to your creditors on your behalf. The single payment makes budgeting and bill payment much easier for you. You receive regular monthly statements so that you can monitor your progress, and you also have round-the-clock access to your account through a secure website. – Source

Domain Names

In checking, as recently as July 14, 2010 the domain name GoodShepherdDebt.org was listed as being owned by:

Allen Morrow
PO Box 244
Harveys Lake, PA 18618

Now what’s funny is that the domain name CredexChoice.com is listed as being owned by Good Shepherd:

Good Shepherd
Allen Morrow
309 E Lincoln Hwy
Ste. 321
Exton, PA 19341

This address is actually a UPS Store. I called and they confirmed mail is delivered to them there.

The trinityfinancialmission.org domain name is listed as owned by:

Allen Morrow
Trinity Financial Mission
P.O. Box 244
Harvey’s Lake, PA 18618

So Let’s See What We’ve Got

It appears we have three sites that all claim to be run by biblical principles, do not list their street address, and two are using a PO Box while one is using a UPS Store for it’s mail drop. The setup just doesn’t give a real warm fuzzy feeling. It feels more like a lead generating company then a full service debt provider.

I hope someone from one of these organizations can come and post an update in the comments section to clear things up if I am wrong.

My advice, steer clear based on what we currently know.

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.

Big Hug!

Why Are Trinity Financial Mission, Credex Choice and Good Shepard Debt Solutions All Answered By The Same Person?   Ross
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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Plainwerid

    we are in process of getting out of Trinity Financial and Good shepherd… I sent them a letter of early termination (Trinity) and am following your guideline for getting out. They then sent me a letter stating that I had to send the letter to Good shepherd. I sent one to Good Shepherd,certified mail, they refused it and sent me an e mail stating that I needed to follow the guideline in the contract we signed for early termination. which we did. And told us to sent the termination to Trinity… I feel like I am getting a run around…I have sent both company names a letter, certified mail, one kept theirs and GS refused theirs… what else do I need to do? we have stopped payment and I am just one step closer to sending the complaint letters to the agencies you suggested.

    • http://GetOutOfDebt.org Steve Rhode

      I’d suggest just following the process if you feel you are not being treated fairly. It sounds like you’ve given them a fair and reasonable way to resolve the problem.

      • Plainwerid

        ok thanks for the help and articles, we are settling on our own and it only took us a week….I hate leaning lessons this way.

  • Plainweird

    we are trying to get out of Good Shepherd and Trinity Financial. I do not have an address for Good Shepherd at all and can not find one. But i have a fax number for the guy who is supposed to be helping us. can I or should I send the termination letter to him via Fax?

    • http://GetOutOfDebt.org Steve Rhode

      They didn’t give you any mailing address?

  • Seemural2

    THEY SCAMMED US TOO. We were with them for 2 years due to horrible medical expenses. They do not list contact numbers, and it was excruciating to get them to respond to emails. THEY DO NOT PAY THE CREDITORS. THEY TAKE THE MONEY. It has been horrible. We too, thought we were dealing with ‘christians and believed they were going to help us, and actually found them on another “Christian money management site.” Some how, my husband got them to say they were giving us our money back. We received a check in the mail from them today. It is for HALF of what we sent to them. The itemization says they deducted their administrative fees. I think God has a very special place for these people. They are truly using HIS name in vain…

  • Seemural2

    THEY SCAMMED US TOO. We were with them for 2 years due to horrible medical expenses. They do not list contact numbers, and it was excruciating to get them to respond to emails. THEY DO NOT PAY THE CREDITORS. THEY TAKE THE MONEY. It has been horrible. We too, thought we were dealing with ‘christians and believed they were going to help us, and actually found them on another “Christian money management site.” Some how, my husband got them to say they were giving us our money back. We received a check in the mail from them today. It is for HALF of what we sent to them. The itemization says they deducted their administrative fees. I think God has a very special place for these people. They are truly using HIS name in vain…

  • gail grammer

    I have been with Good Shepherd for 10 months; I just found out tonight that they have not even contacted my creditors and now I’m being turned over to a third party collections or worse being taken to court. One of my creditors tried to reach them by phone while they had me on the phome and they refused to talk to them due to ethics??????I am disabled and living on a limited income; and the $2250.00 I have paid them didn’t come easy. I’m also and Christian and the God I serve will not look kindly on them….none of their principles are Biblical…do you think…I’m hurt angry and broke………gail

  • gail grammer

    I have been with Good Shepherd for 10 months; I just found out tonight that they have not even contacted my creditors and now I’m being turned over to a third party collections or worse being taken to court. One of my creditors tried to reach them by phone while they had me on the phome and they refused to talk to them due to ethics??????I am disabled and living on a limited income; and the $2250.00 I have paid them didn’t come easy. I’m also and Christian and the God I serve will not look kindly on them….none of their principles are Biblical…do you think…I’m hurt angry and broke………gail

  • Ross

    Steve, Thanks for the info and research. I am starting to beleive I have been taken. I originally signed up with Trinity Financial and ended up with Good Shepherd Debt. The address that my “debt negotiator” gave me that was to be used by my creditors for correspondence with them was
    777 East Atlantic Ave
    Suite C2-364
    Delray Beach, FL 33483.
    This also appears to me to be very suspicious.
    I have read your article on how to get a refund from your debt management company. My next question is this, What do you believe would be the best address to send my certified letter to? I want to be sure to get this routed to the correct place. Needless to say I will be stopping payments to these organizations.

    • http://GetOutOfDebt.org Steve Rhode

      Ross,

      It just keeps getting more interesting.

      I was unable to confirm it for certain but it looks like Debt Management Counseling Center uses a similar mailing address for their business. The address they list is 777 E. Atlantic Avenue Suite C-2 #370, Delray Beach, FL 33483. I called them at (800) 689-9026 but I was not able to confirm they service the accounts for Good Shepard since I did not have a client ID to make it through the first level of screening. It seems rather coincidental though. If you do decide to call the toll-free number, let me know if you are able to confirm they are actually the ones servicing your account. If it does turn out to be Debt Management Counseling Center then you should know they have an F rating with the BBB and they are not a registered nonprofit with the IRS. Again, the identification of this company as the possible underlying service provider is based solely on the mailing address and is not a confirmation that they are the actual provider.

      The Florida address however does seems to be the one of the underlying service provider and not the lead generating companies of Trinity, Good Shepherd, or Credex.

      In fact I was able to confirm the Florida address you gave me is actually a UPS Store mailbox.

      With the range of addresses here I would suggest if you want to reach the company that you send it to the two addresses in Pennsylvania and the one if Florida. Someone should sign for your letter and you should reach someone.

      Steve

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