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”

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.

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?

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.

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