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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
Kansas
Office of the State Bank Commissioner
CSO-0000014
Kentucky
Office of the Attorney General, Consumer Protection
Division File # 5
Louisiana
Secretary of State Reg.
File No. 42691986X
Maine
Department of Professional and Financial
Regulation #DMS12712
Maryland
Office of the Commissioner of Financial Regulation
4-14-35 (6)
Massachusetts
Secretary of the Commonwealth, Corporations Division
Reg. File No. 001279131
Minnesota
Department of Commerce, Division of Financial Examinations
MN-DM-975415
Mississippi
Department of Banking and Consumer Finance
DM/000032/2016
Missouri
Secretary of State
Reg. File No. E001409880
Montana
Department of Justice, Office of Consumer Protection
Reg. No. 13-5263
Nebraska
Secretary of State, Licensing Division Registration Filed and Granted
10-19-07
Nevada
Department of Business and Industry
DMSM11000
New Hampshire
Department of Banking
19293-DA
New Jersey
Department of Banking and Insurance
Licensing Services Bureau L063854
New Mexico
Secretary of State
Reg. File No. 5482631
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 holds ISO 9001:2015certification (certificate #US016796), awarded by Bureau Veritas. This certification confirms that our quality management system meets the internationally recognized requirements of the ISO 9001:2015 standard.
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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