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Priority Repayment Plan
When older debts or collections make it impossible to pay everyone at once, we help you prioritize the right creditors now while preparing the rest for the next phase of your plan.
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the plan
What Our Priority Repayment Plan Provides
Expert Debt Assesment
With over 30 years of experience, we know which debts demand immediate attention and which can safely wait. We evaluate your full picture so nothing falls through the cracks.
Balanced Strategy
We start by reviewing your income and essential expenses to determine what you can realistically afford, then build your plan around that number.
Smarter Prioritization to Minimize Your Risk
By focusing payments on the highest-risk accounts first, we work to prevent lawsuits, wage garnishment, and other serious creditor actions.
how we help
How Our Debt Management Plan Helps You
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Credit card bills
Reduce unaffordable balances through carefully negotiated settlements when it’s the right move and part of a plan you can realistically maintain.
Payday loans
Lift the weight of hospital and collection accounts by negotiating settlements that save you money and stress.
Collection agency loans
End the cycle of high-interest lending by settling unaffordable loans into something realistic.
Medical bills
We work directly with collectors and attorneys to reduce balances and protect your financial peace of mind.
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Reviews
See the Difference a Debt Management Plan Can Make
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Process
A Simple, Supportive Process.
Personalized Debt Review
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We begin with a personalized debt review, available entirely online for your convenience. You'll connect directly with one of our certified nonprofit credit counselors, who will carefully evaluate your financial situation and recommend customized solutions designed specifically for you.
You choose how we communicate—by email, text, or, if you prefer, over the phone. We're here to provide clear, reassuring guidance in whichever way feels most comfortable for you.
You choose how we communicate—by email, text, or, if you prefer, over the phone. We're here to provide clear, reassuring guidance in whichever way feels most comfortable for you.
Program Enrollment
Signing up for your Debt Management Plan is simple—and available completely online. Your certified credit counselor guides you through every step of the enrollment process, answering your questions and providing clear direction without any required phone calls.
From submitting your information securely online to finalizing your personalized plan, enrollment is quick, convenient, and stress-free.
From submitting your information securely online to finalizing your personalized plan, enrollment is quick, convenient, and stress-free.
Getting Started
Once enrolled, we'll immediately contact your creditors to request lower interest rates, waived fees, and manageable monthly payments.
We will actively manage your account, updating you regularly and handling negotiations. As proposals are accepted, you'll notice reduced creditor contact and start seeing the benefits clearly reflected in your accounts—lower interest, fewer fees, and increasing financial peace of mind.
We will actively manage your account, updating you regularly and handling negotiations. As proposals are accepted, you'll notice reduced creditor contact and start seeing the benefits clearly reflected in your accounts—lower interest, fewer fees, and increasing financial peace of mind.
Ongoing Support
Throughout your journey, our entire team provides ongoing advice, support, and resources—ensuring you reach your goal of financial freedom. We help people across the country become debt-free every day, and we're ready to help you too!
Not Sure Which Option Is Right For You?
Our certified credit counselors are here to help.
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Our services
Real People, Real Results
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.
What is debt settlement?
Debt settlement is when a creditor agrees to accept less than the full amount owed, typically as a lump sum, in exchange for considering the debt resolved. It can reduce what you pay overall, but it may have credit consequences and tax implications. At Family Credit Management, debt settlement is only considered as part of our hybrid plan, and only when it genuinely makes sense for your situation. We'll always explain the full picture before you decide.
What is a Family Credit Management's DualTrack hybrid plan and how does it work?
Family Credit Management's DualTrack hybrid plan combines the structure of a Debt Management Program with the option to settle certain debts when appropriate. It's a good fit when some accounts are better suited for negotiation than structured repayment. We'll review your situation, explain which approach fits each debt, and walk you through every step before you commit to anything.
Do I have to talk to someone on the phone to work with Family Credit Management?
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.
How does Family Credit Management protect my personal information?
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.
How long does a Debt Management Program take to complete?
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.
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