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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:
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!
We can help with most types of unsecured debt, including: Credit cards, Medical bills, Payday loans, Unsecured Personal loans, and Collection accounts. We cannot include secured debts like mortgages or most auto loans in a Debt Management Plan, but we’re happy to review your full situation and help you make a plan.
A Debt Management Plan consolidates your eligible unsecured debts into one monthly payment. We work with your creditors to:
You make one monthly payment to Family Credit Management, and we disburse it to your creditors on your behalf. Most people pay off their debt faster than they could on their own—and with far less stress.
In many cases, you have flexibility in choosing which unsecured debts to include, but there are some exceptions. Certain creditors require all of your accounts with them to be included in the plan in order to offer benefits like reduced interest rates. That said, plenty of creditors don’t have restrictions, and we’ll walk you through what’s possible with each one. Our counselors will help you weigh the pros and cons so you can make informed decisions that work best for your situation.
That’s exactly what our program is designed to help with! We work with your creditors to lower your interest rates, often down to single digits, and stop ongoing late fees, over-limit charges, and other penalties. By consolidating your unsecured debts into one affordable monthly payment and reducing the interest, more of your money goes toward actually paying down the balance instead of just chipping away at interest. That means faster progress and real savings over time. Every creditor is different, but we’ll let you know what kinds of concessions you should qualify for when you receive your free quote.
Yes, in most cases you can! If you have a new account you'd like to include—or one you didn’t list originally—we can usually add it to your existing plan. It’s a common situation, and we’re happy to help you make the update. We’ll review the account, confirm if it qualifies, and let you know exactly how it would affect your monthly payment or timeline. We make it easy to keep your plan flexible as life changes!
Most people finish the program in 3 to 5 years, but the exact timeline depends on how much debt you have, how much you can afford to pay each month, and how your creditors structure their repayment terms. We’ll give you a clear estimate up front, and you can view your progress anytime in your online account. If you want to complete your debt management program faster, we’ll help you build a plan to do just that.
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