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Debt
Management Plan

Combine multiple debts into one affordable monthly payment. Our nonprofit credit counselors negotiate directly with your creditors to lower interest rates, waive fees, and stop collection calls—so you can confidently move forward.

Debt
Settlement

In certain cases where debts are significantly past due or charged off, we may recommend debt settlement. Our counselors negotiate with creditors to accept less than your full balance, typically through affordable monthly payments.

DualTrack Repayment Plan

Our unique approach combines debt management and settlement into one customized plan. Severely delinquent accounts may qualify for settlement at a reduced payoff. Current or less-delinquent debts can typically be managed through full repayment with lower interest rates, waived fees, and no collection calls, protecting your credit and your peace of mind.

“It's a really awesome program and I recommend it to anyone who needs to consolidate their credit in a fixed time format”

“I was able to pay off all of the commitments I had. It's been very helpful”
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“Family Credit were able to negotiate with my creditors in ways I could never have done on my own”