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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
New York State
Department of Financial Services
Licensed Financial Services Division BP101695 (7)
North Carolina
Secretary of State
Reg. File No. 805607
North Dakota
Secretary of State
Reg. File No. 43,466,600
Ohio
Secretary of State
Reg. File No. 4041897 (3)
Oklahoma
Secretary of State
Reg. File No. 2612622783
Oregon
Department of Consumer and Business Services, Division of Finance
DM-80003 (8)
Pennsylvania
Department of Banking
License No. 23253
Rhode Island
Department of Business Regulation, Division of Banking
License No. 20143056DM
South Carolina
Department of Consumer Affairs
CC/0718400-0718400
South Dakota
Secretary of State
Reg. File No. FN1346714
Tennessee
Department of Commerce and Insurance Consumer Affairs
Division No. 00000016
Texas
Office of the Consumer Credit Commissioner
DM-06-10035
Utah
Department of Commerce, Division of Consumer Protection
8769815-DBTM
Vermont
Department of Financial Regulation, Banking Division
No. 43 (9)
Virginia State
Corporation Commission, Bureau of Financial Institutions DC-54.
Family Credit Management Services is licensed by the Virginia State Corporation Commission (License # DC-54.)
“Family Credit Management” is a shortened version of the full trade name, “Family Credit Management Services.” (10)
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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