Family Credit Management Reviews

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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.

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?
    • 4,892,667 reviews on ConsumerAffairs are verified.
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    Page 1 Reviews 0 - 10
    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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      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