Crossroads is a Debt Management Program that works.

When you enroll with Crossroads, you get a debt management plan customized specifically for you. Our track record and expertise allow us to work with your creditors to make it easier for you to get out of debt. We’ll consolidate your bills into one manageable monthly payment - and you even decide on which day of the month it will be made. Our specialized services will cut years off your debt repayment, and:

Stop creditor calls
Secure lower interest rates (in almost every case)
Reduce or eliminate finance charges
Calculate how soon you will be debt free
Provide detailed monthly statements
Enable automatic payment with electronic account debiting
Offer you immediate, secure phone or web access to your account information
Avoid credit-killing bankruptcy
Avoid dangerous "debt settlement" scam

Simply complete the confidential free quote form, and one of our certified credit counselors will get you started.

Getting on the road to financial freedom is easy. When you call us, here’s what happens:

A certified Family Credit Management Services counselor will listen to your situation and talk you through your options. If Crossroads is the best thing for you, we’ll review your bills and develop a personalized plan for you. If Crossroads is not your best option (for example, a small number of people should consider bankruptcy) we’ll tell you that, too.
Your counselor will help consolidate debt and explain your new monthly payment amount and the benefits you will receive.
You will choose a date for payments that is convenient for you. You can pay once per month or twice per month.
Complete the enrollment forms and return them to us with copies of your creditor statements.
We’ll notify your creditors and make payment arrangements.
You will receive a welcome package that confirms your Crossroads enrollment and includes other valuable credit information.

That's it! Take control of your debt today – call a counselor at 800-994-3328 to see if you qualify for Crossroads from Family Credit Management. No appointment needed – speak to a counselor in minutes!