DualTrack Hybrid Repayment Plan

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.

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.

Family Credit Management can help with most unsecured debts, including credit cards, medical bills, payday loans, personal loans, and collection accounts. Secured debts like mortgages and auto loans typically can't be included in a Debt Management Program, but we'll review your full situation and help you build a plan that accounts for everything.

Yes, reducing interest rates and stopping fees is one of the primary benefits of a Family Credit Management Debt Management Program. We work with your creditors to lower rates, often to single digits, and eliminate ongoing late fees and over-limit charges. Every creditor is different, but we'll give you a clear picture of what concessions you can expect when you receive your free quote.

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Not at all. Family Credit Management works with you however you prefer: phone, email, text, or a mix. Our application even includes a "no phone calls" option so you can set that boundary upfront. No one on our team works on commission, so you'll never get a pushy pitch, just honest answers at your pace.

Your information is kept private and secure. Family Credit Management will never sell, rent, or give your name or address to any party for any promotional reason or share any personal details without your consent. As a licensed, regularly audited nonprofit, we take data security seriously. If you'd like to keep your enrollment private from a partner or family member, we can accommodate that. You're in control of what you share and with whom.

Most Family Credit Management clients complete their Debt Management Program in 3 to 5 years, depending on total debt, monthly payment amount, and creditor terms. You'll receive a clear timeline estimate upfront, and you can track your progress anytime through your online account. If you want to finish faster, we'll help you build a strategy to do that.