Why Family Credit Management?
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For more than 30 years, we’ve helped people just like you regain control of their finances through personal guidance, understanding, and results that last.
At Family Credit Management, you’ll always talk to real people who are trained, certified, and care as most of us have been in a similar situation to you!
Direct Help From the Start
When you talk, text, or email us you are reaching a real person at a non-profit agency focused on giving you direct and honest help from experienced trained credit counselors.
One Person, Start to Finish
Unlike agencies who move you from intake reps to salespeople to “closers,” you will work with the same caring counselor throughout your entire enrollment. And because our counselors are never paid on commission, their only goal is to help you succeed, not to sell you something.
Customized Debt Solutions That Work for You
We don’t believe in one-size-fits-all. We design a plan that fits your budget and your goals, whether that’s debt consolidation, debt settlement, or our exclusive combination of both.
Real People, Not Robots
You will never be stuck talking to a chatbot or an automated system – we do not use AI or bots to handle your questions. Every call, text or email is answered by a real person who understands and cares about you.
Experience You Can Trust
With over 30 years of experience helping over 1 million Americans and partnerships with over 70,000 creditors nationwide, we know how to stop the collection calls, help reduce interest, fees, and prevent lawsuits, while putting you on a clear path to becoming debt free!
Side by Side Comparison
Others
Family Credit Management
"We’ve helped hundreds of thousands of people over the past 30 years. That kind of experience matters, especially when you're trusting someone with your financial future."
"Every day, we work to create real solutions for people that will dramatically improve their lives. If we wouldn’t recommend it to our own family, we won’t recommend it to you."
"It’s amazing what happens when people realize they’re not stuck...they just needed a hand. That's what we're here for."
"We treat every client like we’d want our own family treated: with honesty, respect, and a plan that works."
"When someone tells us they finally slept through the night after enrolling, we know we’re doing something right."
"You don’t need to have it all figured out. You just have to take the first step."
"Our clients aren’t just numbers. They’re neighbors, parents, students, caregivers. We build plans that respect their real lives."
"Every person who contacts us is showing courage. We meet that courage with compassion and a plan that actually works."
Questions About Debt Management?
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.
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!
We offer both traditional Debt Management Plans and a hybrid plan that may include negotiated settlements in certain cases, giving us more flexibility to find the best fit for your situation. Our goal is to help you pay off or resolve your unsecured debts in a way that’s structured, affordable, and sustainable. Unlike many companies that push one-size-fits-all solutions, we take the time to understand your full financial picture and walk you through your options without pressure or gimmicks. Many of our clients are able to significantly lower their interest rates, simplify their payments, and get out of debt faster. You don’t need to take out a new loan, and you don’t have to talk on the phone unless you want to. We’re here to meet you where you are and support you every step of the way.
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.
Once you enroll, we get to work right away. As soon as you’ve made your first payment, we’ll notify your creditors and begin setting up your Debt Management Plan or hybrid plan. Here’s what typically happens:
- You make one monthly payment to us,
- We pay your creditors according to the agreed terms,
- You get access to your online account where you can track progress, view statements, and make updates.,
We stay in touch to answer questions and support you as life changes. Most clients start seeing reduced interest rates, stopped late fees, and a sense of relief pretty quickly. If anything changes along the way, we’re just a phone call, email, or text message away.
Not at all! If you prefer to handle everything online, you absolutely can. Many of our clients complete the entire process, from getting a quote to enrolling, without ever picking up the phone. Of course, if you’d like to speak with someone, our certified credit counselors are happy to help by phone, text, or email. We’re here to support you in whatever way works best for you!
Real Debt Relief for Real People
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