Family Credit Management Reviews 

659
TrustScore 5 out of 5

4.9

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Review summary

Created with AI, based on recent reviews

Considering 645 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the supportive, friendly, and knowledgeable staff for providing clear, detailed explanations that make navigating the debt relief process much easier and stress-free. People appreciate how the structured payment plans successfully reduce financial stress by organizing multiple debts into manageable monthly amounts. Consumers note that customer service is truly exceptional, mentioning smooth communication, polite representatives, and consistently helpful guidance from start to finish. Some reviewers were not happy with occasional payment delays, noting specific instances where creditors claimed payments were past due or arrived late.

What people talk about most

Staff

Clients share positive opinions on staff, consistently highlighting their professional, kind, and patient... See more

Customer service

Reviewers mention positive feedback about customer service, highlighting fast responses and helpful... See more

Service

Consumers find service to be positive and consistently report helpful and efficient experiences. Reviewers... See more

Payment

People report positive experiences with payment plans, highlighting how manageable structures and lower... See more

User experience

Customers report positive experiences with user_experience, highlighting a smooth and stress-free process.... See more

Reviews shaping this summary

Rated 5 out of 5 stars

This was a big step for me, trying to stop balancing all of my debt and stay afloat. One big vet bill made everything crumble to the ground. Reaching out for help was terrifying and embarrassing . But... See more

Company replied

Rated 5 out of 5 stars

Actually talking yo a person--not a bot. Jennis was friendly .courteous and well informed.--not like other places that provide conflicting information. and try to tell what you're going to do as oppo... See more

Company replied

Rated 5 out of 5 stars

Family credit debt management is very trustworthy. They explain in great detail to me how payments work, why, and how they are spread out. If I ever call in to give an additional payment, there is nev... See more

Company replied

Rated 5 out of 5 stars

Family Credit Management is by far a blessing. They are so super easy to work with, completely transparent, always available for my loads of questions and advice. Their process of working with your cr... See more

Company replied


Company details

  1. Debt Relief Service
  2. Credit Counseling Service

Written by the company

Debt is stressful. We understand. Family Credit Management is a nonprofit organization that has been helping individuals and families get out of debt and regain financial stability for over 30 years. Our NFCC-certified credit counselors provide personalized, one-on-one guidance to help clients understand their financial situation and take control of their future. We offer a range of solutions tailored to each individual’s needs, including traditional Debt Management Plans (DMPs), debt settlement options for those who may benefit, and our exclusive DualTrack Repayment Plan, which combines structured repayment with strategic settlement when appropriate. For clients who are unable to repay all debts at once, we also offer our Priority Pay Plan, designed to help manage limited resources while addressing the most urgent financial obligations. Our approach focuses not only on resolving debt, but also on long-term financial health through budgeting, education, and behavior-based strategies. As a nonprofit credit counseling agency, our mission is to provide honest, practical solutions that work in the real world. We work directly with creditors to help reduce interest rates and fees when possible, while supporting our clients every step of the way. At Family Credit Management, our goal is simple: help people reduce stress, regain control, and build a more stable financial future.


Contact info

4.9

Excellent

TrustScore 5 out of 5

659 reviews

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4.9

All reviews

(659)

658 reviews in the last 12 months

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Rated 5 out of 5 stars

Great customer service

Great customer service, I haven’t made my first payment yet but so far the experience has been amazing!

June 22, 2026
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Reply from Family Credit Management

Taking those first steps toward getting help with debt can sometimes feel a little overwhelming, so it's really nice to hear you've had such a positive experience right from the beginning.

Taking the time to answer questions and explain how our non-profit debt management plan works is something we care a lot about. We want people to feel comfortable before they ever make their first payment because choosing how to deal with debt is an important financial decision. That's why we never rush the process. Instead, we want people to have the time, information, and support they need to understand all of their options and choose what feels right for their situation.

Thank you for trusting Family Credit Management. We're honored to be part of your journey, and if you ever have a question or just want to talk something through, we'll be here.

Rated 5 out of 5 stars

Great service

Great service, great communication and willingness to work with my case

April 14, 2026
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Reply from Family Credit Management

Thank you for your review.

Of all the things you could have mentioned, we're especially glad you highlighted our willingness to work with your specific situation.

For more than 30 years, one of the things that has set Family Credit Management apart is our willingness to take on complex situations and work through challenges that don't always fit neatly into a box. Every financial situation is different, every creditor is different, and sometimes finding the right path forward requires a little extra effort.

We're also happy to hear that communication stood out to you. Keeping people informed and making sure they know what to expect can go a long way toward reducing the stress that often comes with financial challenges.

Thank you for taking the time to share your experience.

Rated 5 out of 5 stars

Our representative was helpful

Our representative was helpful, patient and guided us throughout the entire process. All questions answered skillfully, friendly and spot on. Thank you!

June 18, 2026
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Reply from Family Credit Management

Thank you for your review.

We shared your review with Erica, your credit counselor, and I think it's safe to say you made her day.

Patience, guidance, and answering questions are three things that Erica brings to every conversation, so we're not surprised those stood out to you. We actually encourage people to ask questions. The clients who take the time to understand their options and stay engaged in the process are often the most successful.

Making sure people feel informed and comfortable with the decisions they're making is an important part of the process. We're glad Erica was able to provide the support and guidance you needed along the way.

Thank you for taking the time to share your experience.

Rated 5 out of 5 stars

Very quick to respond and super helpful…

Very quick to respond and super helpful making it easy to understand.

June 18, 2026
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Reply from Family Credit Management

Thank you for your review.

Honestly, making things easy to understand is harder than it sounds.

Most people who contact us are already dealing with enough stress. They shouldn't have to learn an entirely new language just to understand their options. Sometimes the most valuable thing we can do is answer questions, explain things clearly, and make sure people feel comfortable with the next step.

We're especially glad you mentioned responsiveness. When someone reaches out, they're usually looking for answers, not waiting and wondering. We know how important it is to get information quickly when you're making financial decisions.

It's nice to know that stood out to you.

Rated 5 out of 5 stars

You would be surprised that not many…

You would be surprised that not many people know about these types of nonprofit services (that includes me). Instead, many turn to debt consolidation programs with high interest rates or expensive loans from for profit companies. I was pleasantly surprised by this organization and received excellent service. I highly recommend them to anyone looking for financial assistance and guidance. Special Thanks to Jennie B.

June 17, 2026
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Reply from Family Credit Management

Thank you for sharing your experience.

I couldn't wait to share your review with Jennie. She was thrilled to read it.

One thing that really stood out to us was your comment about not knowing nonprofit credit counseling and debt management services like this existed. Honestly, we hear that all the time. For more than 30 years, one of our biggest challenges has been simply getting the word out that there are nonprofit organizations dedicated to helping people improve their financial situation without turning to high-interest loans or costly debt consolidation options.

We're glad you found us and even happier that Jennie was able to provide the service, guidance, and support you were looking for. Helping people understand their options and find a path that works for their situation is what this is all about.

Thank you again for taking the time to share your experience and for helping spread the word to others who may be looking for a better way forward.

Rated 5 out of 5 stars

Grateful for the help I received from Family Credit Management

I felt overwhelmed by bills and the ability to meet all requirements of payments. Family Credit Management was able to address my creditors and work on a repayment plan which enabled me to have peace regarding the accounts. I am so grateful!

June 14, 2026
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Reply from Family Credit Management

Thank you for sharing your experience.

I can't tell you how many people we talk to who feel exactly the same way. Keeping up with multiple bills, multiple creditors, and trying to make everything fit into a monthly budget can be incredibly stressful and overwhelming.

One of the biggest changes people experience isn't just having a repayment plan in place. It's the relief that comes from knowing there's a plan, knowing their creditors are being worked with, and knowing they don't have to carry all of that stress by themselves anymore.

For more than 30 years, Family Credit Management has helped people take control of situations that once felt overwhelming. We're glad we were able to help create a path forward that gave you some peace of mind.

Honestly, of all the things you mentioned, that's our favorite part of your review.

Rated 5 out of 5 stars

Positive experience

I have had a very positive experience with this company. They have been instrumental in helping me manage and reduce my debt. Should I ever find myself in a difficult situation, I know I can always reach out to them for assistance.

March 4, 2026
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Reply from Family Credit Management

It's great to hear how much progress you've made.

When you're dealing with debt, having a plan is important, but so is knowing you have somewhere to turn when questions come up or the unexpected happens. Whether it's a question about your debt management plan, your finances, or simply understanding your options, knowing support is there can make a big difference. That's the kind of personal service we work hard to provide every day.

Thank you for sharing your experience. We're glad we've been able to help, and even happier to know you've felt supported along the way. We'll be here whenever you need us.

Rated 5 out of 5 stars

Very Simple Process

Megan was super responsive and answered all of my questions. The entire process to enroll in the program was very simple and straightforward.

June 15, 2026
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Reply from Family Credit Management

Thank you for taking the time to share your experience.

We're happy to hear Megan was responsive, answered your questions, and helped make the enrollment process feel simple and straightforward. We know that taking the first step toward addressing debt can feel intimidating, so we work hard to make the process as easy and stress-free as possible.

One thing we hear often is that people expect the process to be complicated, only to find that getting started is much easier than they anticipated. We're glad that was your experience as well.

Thank you for trusting Family Credit Management. We appreciate the opportunity to work with you and look forward to supporting you on your journey toward becoming debt-free.

Rated 5 out of 5 stars

Excellent customer service and easy to…

Excellent customer service and easy to work with!

June 13, 2026
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Reply from Family Credit Management

Thank you for your review.

We know life can be challenging enough without the added stress of keeping up with multiple creditors, due dates, and finances. That's why we're happy to hear you found everyone here easy to work with.

For more than 30 years, Family Credit Management has helped people simplify the process, reduce financial stress, and create a clear path toward becoming debt-free. Hearing that we made things a little easier for you means a great deal to our team.

Thank you for trusting us. Knowing we were able to make things a little easier during a stressful time means a lot to everyone here.

Rated 5 out of 5 stars

Very helpful and supportive

Very helpful and supportive

June 13, 2026
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Reply from Family Credit Management

Honestly, "helpful and supportive" is about the best compliment we could ask for.

We know that financial challenges can be stressful, and our goal is simply to make the process easier, answer questions, and be there when clients need us. If that's how you felt working with us, then we've accomplished exactly what we set out to do.

Rated 5 out of 5 stars

DAVID LAURENT NEW CLIENT THEY HAVE…

DAVID LAURENT NEW CLIENT THEY HAVE BEGUN HELPING ME WITH THEIR EXCELLENT QUALITY SERVICES I AM DISABLED AND I HAVE DISABILITY AND THEIR CARE AND CONCERNS FOR MY WELL BEING ARE UNMATCHED WITH ANY OTHER COMPANY

June 12, 2026
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Reply from Family Credit Management

Thank you for your review, David.

We're especially grateful to hear that you've felt cared for and supported since getting started. Every person's situation is unique, and everyone needs to be treated with patience, respect, and understanding.

For more than 30 years, Family Credit Management has worked with people facing a wide range of financial challenges. Taking the time to listen, answer questions, and understand what matters most to each client is an important part of who we are.

Of all the things you could have mentioned, we're especially glad you highlighted the care and concern you've experienced. That's something we work hard to bring to every conversation, and we're grateful you took the time to share your experience.

Rated 5 out of 5 stars

Family Credit Management is Excellent

Family Credit Management is by far a blessing. They are so super easy to work with, completely transparent, always available for my loads of questions and advice. Their process of working with your creditors is remarkable, and they very quickly get to work negotiating and making your plan. As someone who royally damaged their finances, FCM has helped get me on a better path.

June 10, 2026
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Reply from Family Credit Management

Thank you for sharing your experience.

First, we're always happy to hear from clients who have lots of questions. The people who ask questions, want to understand their options, and stay engaged in the process are often the most successful. 

We're also glad you highlighted how easy the process has been and the work being done with your creditors. For more than 30 years, Family Credit Management has helped people simplify what can feel like an overwhelming situation by creating a clear plan and doing much of the heavy lifting along the way.

Most importantly, we're happy to hear you feel like you're on a better path. None of us can change the financial decisions we've made in the past, but we can take steps to improve the future. It sounds like you're doing exactly that, and we're glad to be part of the journey.

Rated 5 out of 5 stars
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Reply from Family Credit Management

"Very easy to work with" may be a short review, but it's something we're always happy to hear.

Many people reach out expecting the process to be complicated, stressful, or time-consuming. Between financial concerns, creditor calls, and everything else life throws at us, the last thing anyone needs is another headache. Making the process straightforward and easy to navigate is something we work hard to do every day.

We're glad that was your experience and appreciate you taking a moment to share it.

Rated 5 out of 5 stars

Fast ,and 2 the point .great service

Fast ,and 2 the point .great service

June 9, 2026
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Reply from Family Credit Management

We like "fast and to the point."

Everyone approaches their finances a little differently. Some people want to tell us their whole story and talk through every detail. Others just want the facts and a clear understanding of their options. Either way is perfectly fine with us. Our goal is to meet people where they are and provide the information and support they're looking for.

We're glad that stood out to you and appreciate you taking the time to share your experience.

Rated 5 out of 5 stars

Very easy to apply for

Very easy to apply for, and great communication by my preferred method of contact, i.e., email. I wish I had done this much sooner,

February 25, 2026
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Reply from Family Credit Management

"I wish I had done this sooner" is something we hear quite often, and it's always a little bittersweet. We're glad you found us, but we also know how much stress people could have avoided if they'd reached out sooner.

We're also happy to hear that email worked well for you. More and more people prefer to communicate by email or text rather than spending time on the phone, and we're happy to meet people where they're comfortable. Whether someone wants detailed conversations, quick answers by email, or anything in between, our goal is to communicate in the way that works best for them.

We also understand that deciding what to do about debt is a big decision. When you're ready, you'll let us know. The last thing most people need while they're trying to sort through their options is another company calling them several times a day. We prefer to provide information, answer questions, and be available when you need us.

We're glad that getting started felt easy and that the process was a good fit for your needs.

Rated 5 out of 5 stars

Fast great .Will recommend to friends

Fast great .Will recommend to friends

June 8, 2026
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Reply from Family Credit Management

Honestly, you had us at "fast" and "great." But "will recommend to friends" is the part that really makes us smile.

For more than 30 years, we've been fortunate to help people take control of their finances and work toward becoming debt-free. The fact that you'd feel comfortable recommending Family Credit Management to the people you care about is a compliment we don't take lightly.

Thanks for making our day.

Rated 5 out of 5 stars

Have had a great experience

Have had a great experience. Everyone has been kind and understanding of my situation. I am glad to be able to communicate through email instead of having to find time for a phone call to customer service. The whole process has helped me regain control of my finances and my creditors have all worked with FCM, including payday loan companies.

February 3, 2026
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Reply from Family Credit Management

Not having to carve out time for another customer service phone call is something a lot of people can appreciate.

At Family Credit Management, we know life doesn't always leave a lot of extra time in the day. Sometimes it's easier to send an email when you have a few minutes, reply when it's convenient, or shoot over a quick text with a question. Getting help with debt shouldn't have to fit into a narrow window on your calendar.

It's great to hear that you've felt understood throughout the process. Financial situations are personal, and it can make a real difference when the people you're working with take the time to listen and understand what you're dealing with.

Hearing that you're feeling more in control of your finances is wonderful. That's what this process is all about. We're fortunate to work with a wide range of creditors, including many payday loan companies, which allows us to help people create a more manageable path forward. Thank you for sharing your experience, and we'll be here whenever you need us.

Rated 5 out of 5 stars

Very easy to do

June 8, 2026
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Reply from Family Credit Management

Thank you for sharing this.

A lot of people are surprised by how simple the process can be. When they start looking for help with debt, they often expect to be pressured into making a decision right away or overwhelmed with constant follow-up.

That's never been our approach. We believe people should have the time and information they need to understand their options and decide what's right for their situation. Life is hard enough without feeling pressured to make an important financial decision before you're ready.

I'm glad the process felt easy for you, and we'll be here if you need us.

Rated 5 out of 5 stars

Quick response quickly got me to where…

Quick response quickly got me to where I could start breathing easier never knew anything could be done this soon and this easy or I would’ve done this a long time ago.

June 8, 2026
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Reply from Family Credit Management

Being able to take a deep breath and feel some relief is huge.

I can’t tell you how many times we've talked with someone who thought there was nothing that could be done about their debt, or that getting help would be complicated, expensive, or take forever. Then they find out there are options they didn't even know existed.

I'm really glad you were able to get answers quickly and start feeling that relief right away. Whether someone is looking into credit counseling, a debt management plan, or just trying to figure out the best way to handle their debt, understanding their options can make all the difference.

We're glad you found us.

Rated 5 out of 5 stars

I enthusiastically recommend Family Credit Management

Choosing Family Credit Management (FCM) was one of the best financial decisions I have ever made, and I can confidently say that working with them has completely changed my path toward debt relief. After being on their Debt Management Program (DMP) for over two years, the results have been nothing short of exceptional.

From the very start, the team at Family Credit Management provided incredible support. Certified Credit Counselor Erica Reyes-Smith helped me establish a possible course of action, assuring me that the Debt Management Plan was a great fit for my financial future. She provided invaluable resources, including budgeting tips and the "100 Ways to Save Big" brochure, setting me up for success from day one. Erica was responsive and helpful, even when addressing my specific questions about removing accounts that already had preferential agreements, which she quickly confirmed was fine to do.

The financial relief provided by FCM is substantial and immediate. The program is designed to save hundreds in interest and allow me to get out of debt in under five years. I was promised "exceptional" anticipated interest rates, and the program delivered, with the lower rates and elimination of late fees shaving significant time off my repayment period. As the Client Services team noted, I survived the challenging first few months and was quickly seeing the benefits begin.

FCM made debt consolidation an affordable and safe path to finally becoming debt-free once and for all. They have provided a clear, manageable plan and continuous support, making the goal of permanent financial success feel truly achievable. I enthusiastically recommend Family Credit Management to anyone looking for a reliable and effective solution to take control of their financial health.

May 23, 2026
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Reply from Family Credit Management

AJ, I talked with Erica after she read your review and jokingly asked if she paid someone to write it.

Seriously though, this means a lot. What stood out most is that you’ve been on the program for more than two years and are still this excited about the results. A lot of people are skeptical at first because lower interest rates, waived fees, and a clear path to becoming debt-free can sound almost too good to be true. You’ve actually lived it and seen the progress for yourself.

We’re so glad Erica’s budgeting resources, guidance, and support helped you feel confident getting started. Taking control of debt is about more than making one payment each month. It’s about understanding your options, having a plan that fits your situation, and knowing you don’t have to figure it all out on your own.

Thank you for trusting Family Credit Management and for sharing your experience. You’ve done the hard work, and we’re excited to keep cheering you on as you move closer to lasting financial freedom.

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