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Family Credit Management Reviews

4,950,133reviews on ConsumerAffairs are verified
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About Family Credit Management

Family Credit Management is a 501(c)(3) nonprofit credit counseling agency that has helped over 100,000 people find their way out of debt. Drawing on more than 30 years of experience, Family Credit Management is licensed to operate in every state and strives to bring the highest level of service to every customer.

Visit www.familycredit.org
Pros
  • 30+ years of experience
  • Free consultations and budget reviews
  • Licensed in all 50 states
Cons
  • Services focus on unsecured debt
  • May require closing credit accounts

Helpful Reviews

Rincon, GA
Verified purchase
I was about 10,500 in debt with credit cards. I was having a hard time keeping up with making monthly payments. My sister referred me to Family Credit. She and her husband used it.

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Woodridge, IL
Verified purchase
I was thirty five thousand dollars in debt with my credit cards and medical bills. I looked around in various credit Agencies and I thought this one look like the best. I was right.

Read more

Family Credit Management services

To start working with Family Credit Management, you can take its online debt quiz and fill out the debt management program application. You’ll need to provide the following information:

  • Your name
  • Your email
  • Your address
  • Preferred method of contact

By filling out the debt quiz, you’re authorizing Family Credit Management to review your credit report and provide you with your credit score. This review is considered a “soft pull” and will not affect your credit score.

If you're eligible for the nonprofit's debt management program, a certified credit counselor creates an action plan to guide you in paying off your debts. Once enrolled, you make one or two monthly payments to Family Credit Management, and the company disburses the funds among your creditors.

Family Credit Management handles calls from collectors and works to reduce your fees and interest payments. Most clients remain in the program for five years.

You can access your account information online 24/7 to contact credit specialists whenever you have a question.

How much does Family Credit Management cost?

Family Credit Management receives funding from the credit-granting community, enabling it to offer several services free of charge. Its budgeting sessions, credit review process and educational resources never require a fee.

You only pay fees if you choose to enroll in its debt management program. As of 2026, the costs for this program typically include:

  • Account setup fee: A one-time fee of around $39.
  • Monthly administration fee: A recurring fee of around $28.

These fees are based on a sliding scale and may be reduced or waived depending on your financial situation and state regulations. You can work with your credit counselor to establish a payment plan that fits your schedule, whether that’s weekly, biweekly or once a month.

FAQ

What is Family Credit Management?

Family Credit Management is a nonprofit credit counseling agency that offers debt management services to consumers struggling to pay back their loans.

What does Family Credit Management do?

The agency provides assistance specifically for unsecured debt, such as credit cards, medical bills and personal loans. It does not work with secured debt like mortgages or auto loans.

Does working with Family Credit Management hurt my credit score?

The initial credit review is a soft pull that does not affect your score. You may see a temporary drop in your score when enrolling in the debt management program because most creditors require you to close accounts included in the plan, but consistent payments can help rebuild your credit score over time.

Where is Family Credit Management available?

Family Credit Management is licensed to operate in every state.

Still have questions?

Is Family Credit Management worth it?

Family Credit Management is a reliable nonprofit agency for consumers struggling with unsecured debt. Its biggest strengths are its free counseling, long operating history, and broad range of support options for consumers who prefer structured debt repayment. If you want a structured plan to lower interest rates and stop collection calls without the high risks of debt settlement or bankruptcy, visit its website to find out if its services are right for you.

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Family Credit Management Reviews

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    How do I know I can trust these reviews about Family Credit Management?
    • 4,950,133 reviews on ConsumerAffairs are verified.
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    Page 1 Reviews 0 - 40
    Customer ServicePunctuality & SpeedBilling

    Reviewed Nov. 20, 2025

    I was about 10,500 in debt with credit cards. I was having a hard time keeping up with making monthly payments. My sister referred me to Family Credit. She and her husband used it. I was skeptical. I sent one email and within 24 hours I working with them. They handled everything with the best customer service. I had to be late making a couple of payments. They worked that out for me. All in all I would highly recommend using Family Credit to anyone with a lot of debt.

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    Customer ServiceStaffBillingRatesHonesty & Transparency

    Reviewed Nov. 20, 2025

    Amazing customer service, great people, was buried in credit card debt and they contacted all my creditors and negotiated amazing rate reductions, I tell everyone I know that is struggling with credit card debt to contact them, I just got my email for my final payment, would have never been able to do what they did on my own, very honest and trustworthy, they did great for over 4 years and saved my thousands and thousands of dollars, I would not even look at other companies offering this service, it would have taken me over 25 years to do what they did in 4, all collection calls ended, I couldn’t be more happy with them.

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      Customer ServiceStaffBillingRates

      Reviewed Oct. 7, 2025

      Fantastic to work with! No complaints at all; they helped me pay off all of my credit card debt! Great customer service as well! They helped me get lower interest rates and payments on my cards, and they sent payments on my behalf on time each month to the creditors. Great company!

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      Reviewed Sept. 5, 2025

      I am very pleased God has lined me with these great people. I'm excited to has open see the future. They treat you like family not a number. I did in the past I would tell myself I would start. I have put this off for a long time. God blessed me with that Family Credit. One door closes another open.

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      StaffBillingRates

      Reviewed Dec. 11, 2024

      They helped us get out of so much debt. Make sure to keep communicating with them and it will be an awesome experience for you too! They worked with our credit card companies to help lower interest rates.

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      StaffBilling

      Reviewed Jan. 11, 2024

      I started with Family Credit about four years ago. I was nervous about seeking help but my debt was causing problems with my husband. They helped me get my debt under control and did exactly what they said they would do - from start to finish everyone I spoke with treated me very professionally. Happy to say I am now debt free and my credit score increased as well - bonus! Highly recommend for anyone ready to get out of credit card debt.

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      Family Credit Management
      Response from Family Credit Management

      Thank you Kacii!! We're so happy we were able to help. Congratulations on becoming debt free!

      Billing

      Reviewed Jan. 11, 2024

      I was thirty five thousand dollars in debt with my credit cards and medical bills. I looked around in various credit Agencies and I thought this one look like the best. I was right. They got everything straightened out for me. They did a great job.

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      Staff

      Reviewed Jan. 10, 2024

      I was a client on the program and I must say they did everything they said they would, I was able to get a mortgage and now my financial life is where I have always wanted it to be. Everyone there is kind and knowing they have been doing this for 30 years meant a lot to me.

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      Profile pic of the author.
      Customer ServiceSales & MarketingPunctuality & SpeedStaffBilling

      Reviewed April 15, 2023

      I went to website needing help with medical bills. I clearly conveyed to credit counselor Megan M. that I was being threatened with a lawsuit and needed to get started right away. Website clearly states they will get to work on my case immediately in my situation. After I enrolled and pay Megan tells me they changed the policy but forgot to change the website and I am going to have to wait until my check clears before the help me and then it will be when they get to it. No concern was expressed for my situation. Definitely not getting the compassionate care they advertise. When I questioned the policy change and what the website said Megan stopped responding to my emails. This is supposed to be a trustworthy company but they have not proven themselves to be trustworthy. Also there is no way to contact others in this company with my concerns they do not give the email addresses for people higher up.

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      Verified purchase
      Customer ServiceCoverageStaffBillingRates

      Reviewed Dec. 2, 2022

      Three and half years ago everything was going well. I thought. Like everyone else, I had a credit card debt I thought I was handling well. But then a medical emergency changed everything. All of a sudden, I had an extra five-figure debt. I had health insurance, but it only paid 80% of my medical debt. I was in over my head.

      After a lot of research, I contacted Family Credit Management. They put me at ease immediately. I engaged their services. They were able to lower heavy interest rates, negotiate a payment package for all creditors that I was able to afford. What really impressed me was their ability to communicate with my creditors to lower payoff amounts toward the end of each debt when I was ready to close them. Their fees are fair and appropriate. I cannot say enough about Family Credit Management. They helped me eliminate a five-figure debt in 3 years. My credit score increased by 150. I kid you not.

      Family Credit Management staff are well educated, professional, and most importantly, compassionate about the client's needs and success. As credit counselors, their performance was exemplary. When you think all is lost because you find yourself in over your head and just need help and guidance to stretch that hard earned buck, just call these guys. You need professionals when you find yourself here.

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      Customer ServiceStaffBilling

      Reviewed Feb. 12, 2021

      I enrolled in Family Credit after my divorce in 2012. I searched the web and found Family Credit. I called to ask questions and just the professionalism of the person I spoke with I knew this was the company I wanted to go with. I have never had a problem with them. If I called to either increase my monthly payments or to find out about my ending balance, each person I have dealt with was kind, and went above and beyond. They also don't blow up your phone looking for their money even though I had automatic withdrawals. I highly recommend this company for your debt consolidation needs.

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      Customer ServicePunctuality & SpeedStaff

      Reviewed Nov. 14, 2019

      My experience with family credit management was successfully completed and they did everything on time and proper. I would recommend them to anyone who needs their debts taken care of. Their representatives were courteous and they responded quickly to calls. They were always professional, nice and helpful. Thanks again for everything and if I ever need to do this again, I'm keeping all your info. (Hopefully I will not need it????)

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      Reviewed Feb. 28, 2018

      This is a bunch of crooks and liars. Would take payments out before my paycheck. Had 3 creditors drop me from the program. Had not received payment in 2 months. The customer service representative said they upped my payment by 3.00. I never received any notification from them. This company made everything worse. STAY AWAY.

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      Customer ServiceStaff

      Reviewed Nov. 22, 2017

      Was told creditors accepted their proposal only to find out this was not true. Instead they charged off the balance and ruined my credit and allowed Family Credit Management to make cheap payment. We were only told of the cheap payment. Then when my credit score ranked and we saw the charged off accounts- we asked by email first. By email we were told by counselor they knew nothing about this they would get back with me- they never did. After waiting on response that never came-we called them directly only to be told that they knew all along. That they made the decision to take the cheaper payment for me (no one ever informed me that it would charged off or impact my score so negatively). They just told me their offer was accepted and my payment would be x amount!

      When we voiced our concerns the hateful person on the phone informed me not to worry that creditors only looked at the most recent 12 months anyway (another lie)... We did this because we are trying to refinance home and student loans and now we can’t due to this charged off account. To that she added they could write a letter for me telling them I’ve made great payment history- will they tell them they completely lied to me... somehow we doubt that. The entire conversation was recorded though and we will be seeking legal advice for damages since she had no problem admitting that this company didn’t disclose this information to me and took my credit file into their own hands without my consent.

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      Customer ServiceStaff

      Reviewed Oct. 20, 2017

      I'm new to Family Credit Management. I would like to say that so far I am very pleased with this company and each and every representative I have dealt with. This company is very professional, knowledgeable and courteous. They know how to employ customer service reps with a high level of knowledge, courtesy and will work diligently to get you what you need. I did a lot of research before signing on with a debt management company, it is a huge step & I must admit I was nervous. I have no regret & would recommend them to my family & friends. If you are looking for a debt management company - thumbs up on this one!

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      Customer ServiceContract & TermsPunctuality & Speed

      Reviewed Sept. 6, 2017

      I signed up for debt management with this company about 2 years ago. Everything has been going well until June this year. In August I received notification that I have been reported late for one of my credit cards. I called and found out that they did not send a payment to one of the creditors for 2 months. I asked what happened and was just given a vague answer. This caused my credit score to drop 32 points. It also caused my car insurance premium to go up due to the credit score as I was due to renew. I have called them to ask if they can at least call the creditor to explain the situation. They have refused and all I was told is to dispute the late payment with the credit bureaus. I signed a contract with them, they took my money and never sent the payment. I can't believe it and they won't do anything. I should report them to BBB.

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      Customer ServiceStaff

      Reviewed Nov. 14, 2016

      Family Credit.. thank you! I been with Family Credit for a few years already and have cleared up about 5 of my credit card debts. I totally recommend them for any outstanding debt you are willing to pay off because Family Credit works with you. Their customer service reps are the best! Always friendly and willing to work anything out if you can't make your monthly payments. They do not push you to make your monthly payments if you can't make it. They make sure you understand that your creditors will not get paid but they explain this in such a nice way. :-) Thank you again Family Credit!

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      Staff

      Reviewed April 8, 2016

      Family Care Credit is a wonderful company and never had any problems with them, they are there to help you out. I would highly recommend them.

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      Staff

      Reviewed Dec. 3, 2015

      I began an account with Family Credit Management over 4 and half years ago. They were courteous, professional and very responsive during my entire experience. I would recommend them to anyone. They were great people.

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      Verified purchase

      Reviewed Sept. 29, 2015

      Didn't have any problems.

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      Verified purchase
      Customer Service

      Reviewed Sept. 28, 2015

      I think this place is great and treats me well and with dignity, I would appreciate it if you will send me email confirmation of date change to my payment plan. Plus can you mail me my ID number? I never received one. Thank you.

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      Verified purchase
      Customer ServiceStaff

      Reviewed Sept. 24, 2015

      I'm new to this program and I have to say the person I've been talking to these last few days getting everything together has been wonderful. Answer all my questions and completely helpful. So thank you!

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      Verified purchase
      Staff

      Reviewed Sept. 22, 2015

      I was so worried about taking the "step". Then I spoke with Ms.**... she was very knowledgeable and patient and kind. I felt at ease as she helped me with documents and signatures. Thanks to your company and I hope all of your clients receive the same help and attitudes I continue to receive. Thank you.

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      Verified purchase
      Staff

      Reviewed Sept. 18, 2015

      Great assistance from associate in guidance.

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      Verified purchase
      Customer ServiceStaff

      Reviewed Sept. 15, 2015

      I felt very comfortable and not pressured when starting talking to Cassandra this morning, while shopping around. She is very nice, polite and explained everything clearly and concise. Also afterwards, when filling out the forms I had to call her several times to ask questions and, same thing patient, clear and helpful. It is hard these days when one does not know much about who to talk and mainly who to trust! So I hope that by choosing you, I can keep going on. Thank you again!

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      Verified purchase

      Reviewed Sept. 13, 2015

      I'm satisfied with the service with them but the only thing I just don't like is the payment is very high which I think they can do better to help out people that is having problems with this kind of stuff. And the other I don't like is that you have to give them address for the company you owe to - like we should have to do that. I think they should have all that info to me.

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      Verified purchase
      Contract & TermsStaff

      Reviewed Sept. 2, 2015

      The process to setup a new account and agreement went by really smoothly and Cassandra ** was extremely helpful. I would definitely recommend the service and her as a representative.

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      Verified purchase
      Customer ServicePunctuality & Speed

      Reviewed Aug. 11, 2015

      I am a disabled veteran currently going through social security disability as well as military compensation. It was simple, fast and within one day, all the documents were signed online; no printing, no faxing, no long annoying phone calls. I was also able to pick my due dates.

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      Verified purchase
      Punctuality & Speed

      Reviewed Aug. 4, 2015

      I just found this on the web and was excited to learn how to free my debt. I have just started and so far everything seems to be going well. I would recommend this to others because you guys are fast and efficient. I like the one on one assistants and how smooth everything seems to be going. Thank you all for helping me and others like me to reduce our debt.

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      Verified purchase
      Customer Service

      Reviewed July 23, 2015

      I was really put to ease by Cassandra, when I called her back and discussed the mess that my finances has become. I am totally responsible for this mess and I will be responsible until it is cleared up. I would like to thank Ms. Cassandra for not making me feel stupid for spending money to look for my missing child, I guess we all do anything to protect our children or loved ones. I pray that no one will ever have to experience what I have since my daughter went missing. I hope you know how nice it was to have someone just say they we're sorry for the situation that I was in. Thanks again.

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      Verified purchase
      Staff

      Reviewed July 8, 2015

      After feeling over my head, I reached out to Family Credit Management as a last resort and am sorry I didn't do it sooner! Sarah ** was more than helpful and sensitive to my situation. Very pleased by my experience. Thanks Family Credit!

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      Verified purchase
      Punctuality & Speed

      Reviewed June 6, 2015

      When I first decided to contact this company I really did not know what to expect. It was a very fast and easy way to put everything together. I was just amazed.

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      Verified purchase

      Reviewed June 2, 2015

      Very pleased with company and credit counselor. I just simply called one day and in 5 mins my counselor sent out my proposal plan.

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      Verified purchase
      Staff

      Reviewed May 27, 2015

      Good trusting people, all very helpful. The best financial plan I ever could have imagined.

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      Verified purchase
      Customer ServicePunctuality & Speed

      Reviewed May 18, 2015

      I was swimming in debt because of my health condition and I had to retire from my work. Family Credit helped me negotiate a lower rate and I stuck with the program and paid off three of my biggest creditors. The customer service is excellent! Whenever I emailed with questions, they responded promptly with the answer and solution to my question. Thank you so much, Family Credit. There were no gimmicks or hidden fees. I would recommend your services to anyone having financial problems. Again, thank you!

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      Verified purchase
      Staff

      Reviewed April 6, 2015

      I would recommend Family Credit Management Services to anyone that wants to become debt free. They have helped me to become debt free in only 4.5 short years. It is amazing to see the amount owed drop each month until, one by one, all the debts are paid. It is always easy to reach a real person, not a computer which is a refreshing change and everyone is very helpful and knowledgeable.

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      Verified purchase

      Reviewed April 2, 2015

      I picked this company because the name was more family friendly versus the business and law firm names. With this company I am more than just an account. I am an actual human being. Family Credit Management is very flexible and goes above to help.

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      Verified purchase
      Staff

      Reviewed March 27, 2015

      Ms. ** was very helpful and patient with me. She also walk me through the process of the application. I recommend this company service.

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      Verified purchase
      Customer ServicePrice

      Reviewed March 22, 2015

      I previously tried working out payment arrangements with my creditors on my own which got me nowhere. I could barely understand them, sloppy English with an Indian accent. They demanded payment instantly and wanted more money each time I tried to negotiate payments. They were unwilling to accept a low monthly payment without stopping the interest which would basically keep me paying forever. It was a nightmare! There is nothing more frustrating than trying to workout outstanding balances with a foreigner over the telephone. Thanks to Family Credit Management, I no longer have to deal with that nightmare and I've payed off one of my creditor accounts thus far. Finally, I'm starting to see the light at the end of the tunnel. Big thanks to FCM!

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      Verified purchase
      Customer ServicePriceStaff

      Reviewed March 13, 2015

      I really appreciate the help that I received from you. My credit score has gone up quite a bit and now I am relieved from the burden of credit card debt. I would recommend you to anyone and to a few friends I already have. What is so great about you is that you helped me maintain a good financial reputation. I don't plan on borrowing any money ANY time soon but now my credit score is so good that any lender would lend to me and offer me the best interest rates. I feel so responsible and free now. I will really feel it the next time I get paid and don't owe any money to creditors.

      Right now I only owe money to my student loan but that will be paid for within a couple of months! Thank you so much for all your help. You provide a much needed service to our debt-ridden society. Every time I called to talk with a rep, you were very helpful. Thanks again. I really can't say enough about you. I will definitely continue to recommend you to anyone I know who is in debt that they can't control. I'm free!

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      Family Credit Management Company Information

      Company Name:
      Family Credit Management
      Year Founded:
      1999
      Address:
      11 N. Wabash, Ste. 1408
      City:
      Chicago
      State/Province:
      IL
      Postal Code:
      60602
      Country:
      United States
      Website:
      www.familycredit.org