Your Path to Debt-Free Starts Now

Family Credit Management is a 501(c)(3) nonprofit credit counseling agency that helps individuals and families regain control of their finances. Our primary service is a Debt Management Program (DMP), which consolidates unsecured debts: credit cards, personal loans, payday loans, and medical bills into one affordable monthly payment. We work directly with your creditors to reduce interest rates, stop late fees, and help you pay off debt faster.

Family Credit Management is one of the largest nonprofit debt management organizations in the country, and one of the most accountable. We're licensed by state banking departments across the U.S., ISO certified, audited annually, and hold an A+ rating with the BBB. Client funds are always held in dedicated trust accounts. Beyond credentials, what sets us apart is our people. Our counselors don't use scripts or work on commission. They listen, ask the right questions, and walk you through real options for your situation; no pressure, no gimmicks. See what our clients have to say, or get started with a free quote.

Speaking with a Credit and Debt Advisor, budget reviews, and credit guidance are always free. If you enroll in our Debt Management Program, fees are modest and sliding-scale. In 2025, the average monthly fee was $28, and the average one-time enrollment fee was $39. Both are included in your monthly payment.

Unlike many debt relief companies that offer one-size-fits-all solutions, Family Credit Management offers both a traditional Debt Management Program and a hybrid plan that can include negotiated settlements when appropriate. We also offer a Priority Repayment Plan for those struggling with older debts or heavy collections. You don't need to take out a new loan, and there's no pressure to do anything that doesn't make sense for your situation. Our goal is a plan that's strategic, affordable, and built around your financial picture, not a generic formula.

Family Credit Management can help with most unsecured debts, including credit cards, medical bills, payday loans, personal loans, and collection accounts. Secured debts like mortgages and auto loans typically can't be included in a Debt Management Program, but we'll review your full situation and help you build a plan that accounts for everything.

Once you enroll and make your first payment, Family Credit Management notifies your creditors and begins setting up your plan. From there, you make one monthly payment to us and we handle distribution to your creditors. You'll have access to an online account to track progress and view statements anytime, and our team is available by phone, email, or text whenever you need us.

Not at all. Family Credit Management works with you however you prefer: phone, email, text, or a mix. Our application even includes a "no phone calls" option so you can set that boundary upfront. No one on our team works on commission, so you'll never get a pushy pitch, just honest answers at your pace.