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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
Washington
Secretary of State, Corporation and Charities Division
Reg. File No. 604142635
Washington, D.C.
Department of Consumer and Regulatory Affairs
Reg. File No. N00005720216
West Virginia
Secretary of State
Reg. File No. 9AISN
Wisconsin
Department of Financial Institutions
Licensed Financial Services No. 128
Wyoming
Secretary of State
Reg. File No. 2017-000759004
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 main service is a Debt Management Plan (DMP), which consolidates your unsecured debt—like credit cards, finance company loans, payday loans, and medical bills—into one affordable monthly payment. We work with your creditors to reduce interest rates, stop late fees, and help you pay off debt faster.
Why Family Credit Management
We’ve been helping people conquer debt—with compassion and credibility—for over 25 years. We’re one of the largest nonprofit Debt Management organizations in the country, licensed and trusted by hundreds of thousands of individuals and families who’ve walked the same road you’re on now. We’re not just legitimate; we’re held to some of the highest standards in the industry:
- Licensed by state banking departments across the U.S.,
- ISO certified and audited annually,
- A+ rating with the Better Business Bureau,
- Client funds held in dedicated trust accounts with full transparency.
We make getting help easy and accessible, with flexible payment options (Autopay, online, by phone, or by mail), 24/7 online account access, and digital statements delivered straight to your inbox. But what really sets us apart? Our people. We don’t use scripts. Our counselors take the time to listen (really listen) to your situation and walk you through real solutions that make sense for your life. Many of us have been through financial hardship ourselves, and we know how overwhelming it can feel. When you talk to us, you’re not just another account. You’re a person with a strong future and we’re here to help you reach it. Take a look at our client reviews, check out our management page to learn more about us, or get started with a free quote now!
Are you a nonprofit organization?
Yes! We are a nonprofit agency, licensed and approved to provide credit counseling services. Being a nonprofit means we’re not in this to profit off your debt. Our mission is to provide honest, practical help that empowers you to become debt-free—and stay that way.
How long have you been in business?
Family Credit Management has been helping people get out of debt for over 30 years. Since opening our doors in 1996, we’ve worked with hundreds of thousands of individuals and families across the country to simplify their payments, lower their interest rates, and achieve financial peace of mind.
Do you work in all 50 states?
We’re licensed throughout the country and currently work in every state with the exception of Michigan. If you live in one of the states we serve, we can help you get started with a free quote and review of your situation.
