It's Your Choice

Debt Management Services: Get Started Live with the stress of serious debt, declare bankruptcy and face it's consequences, or make Family Credit Management Services your newest asset!

When you enroll with FCMS, we'll customize a plan with a Debt Management Program for you. Our debt management services allow us to work with your creditors and consolidate debt by consolidating your bills so you have just one manageable monthly payment - and you decide on which day of the month it will be made. Our specialized debt management services will cut years off your debt, and:

• Stop creditor calls
• Calculate how soon you will be debt free
• Reduce or eliminate finance charges
• Secure lower interest rates (in many cases)
• Provide detailed monthly statements
• Enable automatic payment with electronic account debiting
• Offer you immediate, secure phone or web access to your account information

Simply complete the confidential enrollment form, and one of our certified credit counselors will get you started…it's as easy as this:

Here's how fast and easy it is to be on the road to financial freedom:

1. A certified Family Credit Management Services counselor will review your bills and develop a Debt Management Program for you.
2. Your counselor will help consolidate debt and explain your new monthly payment amount and the benefits you will receive.
3. You will choose a date for payments that is convenient for you. Choose once per month or twice per month.
4. Complete the Enrollment forms and return them to us with copies of your creditor statements.
5. We notify your creditor and make payment arrangements.
6. You will receive a welcome package that confirms your Debt Management Program and includes other valuable credit information.
7. That's it! Why not start today with Family Credit Management Services