Why Family Credit 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!

It is always free to speak with one of our credit and debt advisors, who are NFCC-certified credit counselors. Budget reviews, credit guidance, money management materials and all consultations are also always free.

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If you choose to enroll in a Family Credit Management debt management program, there is a modest fee based on a sliding scale. In 2025, the average monthly fee our clients paid was $28, and the average one-time enrollment fee was $39. These fees are included in your monthly payment and help cover the cost of servicing your plan.

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.

Family Credit Management 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 Program, 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, it’s 2026, after all! We’ll work with you however you prefer: email, text, phone, or a mix of all three. No pressure, no surprise calls. We even have a “no phone calls” option right on our application so you can let us know upfront if you’d rather not be contacted by phone. We added that because we know how frustrating it is when other companies hound you with calls from salespeople. That’s not how we operate. In fact, none of our team members work on commission. You’ll never get a pushy pitch, just honest answers and support, at your pace and on your terms.