From Financial Stress to Financial Freedom

Personalized nonprofit debt solutions designed to reduce stress, lower payments, and restore your peace of mind.

Lower your payments, reduce financial stress, and take control—with a clear, straightforward process

Check Your Eligibility

Quickly answer a few questions online or speak directly with a certified nonprofit debt expert.

Get Your Personalized Plan

We'll review your financial situation and design a clear, manageable plan tailored specifically to your needs.

Choose Your Path Forward

We clearly explain your debt relief options—including our debt management program—and help you select the best solution for your financial goals.

Service

Debt Management Plan

Combine multiple debts into one simple monthly payment. Our nonprofit team works with your creditors to reduce interest rates, waive fees, and stop collection calls—so you can focus on your future.

Single, affordable monthly payment

Reduced interest rates and waived fees

Stop creditor and collection calls

Customized debt repayment plan

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Service

Debt Settlement

In certain cases, if your debts are severely past due or charged off, our certified credit counselors can negotiate with creditors to settle for less than the full balance—often in combination with a debt management plan.

Negotiated lower payoffs for qualifying debts

Offered in specific cases of severe debt, only when appropriate

Often combined with debt management plan

Professional negotiation by certified counselors

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Service

Hybrid Approach

Our unique hybrid approach combines debt management and settlement into one customized plan. Severely delinquent debts may qualify for negotiated settlements at reduced balances, while current or slightly behind debts typically qualify for full repayment with lower interest, waived fees, and an end to collection calls—helping to protect your credit and peace of mind.

Custom-blended debt management & settlement

Tailored to your specific financial situation

Reduce debt faster and maximize savings

Designed by certified nonprofit credit counselors

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From Overwhelmed to Debt-Free: I Never Thought This Day Would Come

Never in a million years did I think I would finally receive this message. "Once this payment has been processed and sent to your creditors, your account with Family Credit Management will be closed and no further payments will be withdrawn from your bank account. We are grateful you placed your trust in our organization! Congratulations on completing the plan and becoming debt free!" My last payment is scheduled to be drafted today (June 20, 2024). This program does work and has been such a blessing for me! All of the staff are kind, supportive, and helpful. Thank you all for helping me! I highly recommend this program to anyone who is feeling overwhelmed with debt. You won't regret it!

Gainesville, GA

Paid Off a Debt in Months Without Missing a Single Payment

I have been using them for less than 3 months and one of the four debts is almost paid off! Other debt consolidation companies make you miss payments for many months before negotiations even start. This company didn't do that and the process has been so simple!

Family Credit Helped Me Rebuild

I had gotten into serious credit card debt as my world collapsed in the 2007-2009 economic downturn and housing crisis. I had many cards with high limits and had to live on them until I could put my business back together. Family credit negotiated deals and set up a doable monthly payment. My balance with those credit cards is now zero. I couldn’t have done it without Family Credit.

Lower Interest. One Payment. Total Control

Their debt management program is a game-changer. With their guidance, I was able to consolidate my payments and reduce my interest rates significantly. The process was smooth, and their customer service was always there to answer my questions. I’m grateful for the peace of mind that comes with being in control of my finances again. If you’re struggling with unsecured debt, I highly recommend reaching out to Family Credit Management Services. They’re not just a service; they’re a partner in your financial well-being!

They Gave Me My Financial Life and My Peace of Mind Back!

I am eternally grateful for Family Credit Management for everything they've done to help me get my high-interest debt under control. Words can't even begin to fully describe the positive impact they've made on my finances. By negotiating the interest rates and payments, I was able to reallocate the funds to pay off other lingering debt to give me more of my disposable income back. I have recommended FCM to family members and friends, who have also begun using their services. This company is the real deal, and everyone is so helpful, kind, and understanding. Thank you FCM!

Kansas City, MO

I Came Back to Family Credit Because They Work

This company has been great to work with! I have used them twice to pay off debt I carelessly accumulated. They are very, very helpful and respond to questions or concerns in a very timely manner. I have and will recommend to anyone that needs help in paying off accounts this GREAT company.

FCM Met Me With Compassion

Family Credit Management was an Absolute God send!! The process was so easy. A payment plan was set up and worked for me and my family. After going through hurricane Ian, I needed to change my monthly payments and my request to do so was met with compassion. No questions asked. I have completed my payments and I'm debt free!! Thank You so much!! I couldn't have done this without you!!

I’m 23 and Paid Off ALL My Loans, Thanks to Family Credit

Im 23 years old and was stuck paying 3 loans that would have taken years from interest alone to fully pay them off, but thanks to FamilyCredit and a bit of risk taking I made larger payments and they went directly into the loans. What would have taken 5 years to pay off FamilyCredit helped pay off in 6 months. They are an incredible service that anyone at any age can use and are wonderful to work with.

Not Sure Which Option Is Right For You?

Our certified credit counselors are here to help.

How Serious Is My Debt Quiz

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.

Hybrid
Approach

Our unique hybrid 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.