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Why Licensing & Certification Matters
Working with a licensed and certified nonprofit means trust, transparency, and genuine results.
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Licensing
Why Licensing Is So Important
State Regulations
Licensing and regulation protect you from unqualified providers. Family Credit Management is fully licensed or legally qualified in every state where we operate—ensuring your financial safety no matter where you live.
View Regulatory Bodies
Requirements
In many states, licensing requirements are minimal or nonexistent, allowing unqualified providers to offer debt programs that can harm your financial health. Choosing a fully licensed and regularly audited company like Family Credit Management ensures your finances are in safe, qualified hands.
ISO Certificate
We are audited at our corporate offices every year to ensure we continue to meet the ISO standard. More information can be found at www.iso.org or from our ISO register. We comply with standard BS EN ISO 9001:2015, our certificate number is US016796.
Privacy
At Family Credit Management Service we take your privacy very seriously – we never have and never will sell our client names to any party. We understand that financial difficulties and bad credit are a private matter and by working with one of our consumer credit counselors you have put your faith and trust in us. We will not let you down. You can view our entire Privacy Policy here.
State Licensing
Regulatory Bodies
Alabama
Securities Commission
SOC#377
Alaska
Department of Commerce, and Economic Development Business
License#: 996102
Arizona
Arkansas
Secretary of State, Business and Commercial Services Division Reg.
File No. 811041838
California
Secretary of State, Nonprofit Community Service Organization
#: 247-0073 (2)
Colorado
Office of the Attorney General
Reg. No. 000029
Connecticut
Department of Banking, Consumer Credit Division
License No. 24222
Delaware
Department of Justice, Consumer Protection Unit
License No. 13-04.
Family Credit Management Officers are Michael McAuliffe, President, and Elizabeth Schomburg, Chief Financial Officer.
Florida
Department of State
Reg. File No. F13000005012
Georgia
Secretary of State Corporations Division
Reg. File No. 633123 (3)
Hawaii
Department of Finance, Consumer Finance Bureau
CDC-4957
Idaho
Secretary of State, Nonprofit Community Service Organization
#: 247-0073 (2)
Illinois
Department of Financial and Professional Regulation Consumer Credit Section
DM-129 (4)
Indiana
Department of Financial Institutions
ID No. 10932 (5)
Iowa
Division of Banking
DM-2006-0395
Specific State Details
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privacy
Our Privacy Commitment
At Family Credit Management, we take your privacy seriously. We have never—and will never—sell client information to third parties. We understand financial difficulties and credit concerns are sensitive, private matters. By choosing to work with our certified credit counselors, you’re placing your trust in us—and we’re dedicated to protecting that trust. For complete details, please view our Privacy Policy.
iso
ISO 9001 Certification: Our Commitment to Quality
Family Credit Management maintains ISO 9001:2015 certification (certificate #US016796), an internationally recognized standard for quality management systems.
Our corporate offices undergo rigorous annual audits to ensure compliance and continuous improvement, demonstrating our unwavering commitment to providing exceptional service. For more information, visit www.iso.org or consult our ISO register.
Our corporate offices undergo rigorous annual audits to ensure compliance and continuous improvement, demonstrating our unwavering commitment to providing exceptional service. For more information, visit www.iso.org or consult our ISO register.
FAQs
Questions About Debt Management?
Go to FAQs
What does Family Credit Management do?
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.
What makes Family Credit Management different from other debt management services?
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.
Is Family Credit Management a nonprofit organization?
Yes! Family Credit Management is a licensed, nonprofit credit counseling agency. We're not here to profit from your debt. Our mission is straightforward: honest, practical help that empowers you to become debt-free and stay that way.
How long has Family Credit Management been in business?
Family Credit Management has been helping people get out of debt since 1996, with over 30 years of experience working with hundreds of thousands of individuals and families to simplify payments, lower interest rates, and achieve financial peace of mind.
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