Family Credit Management Reviews 466

TrustScore 5 out of 5

4.9

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for being kind, caring, and helpful, often going above and beyond to assist with financial planning and debt management. People appreciate the clear explanations regarding payments and how their preferences are taken into consideration. The service is frequently described as excellent, with many highlighting the ease of setting up automated payments and the overall smooth user experience. Consumers feel supported and less stressed, noting the company's ability to lower interest rates and provide a manageable path to becoming debt-free. However, some customers also noted issues with late payments to creditors, leading to late payment notifications and, in a few instances, concerns about credit implications. A small number of people felt pressured to commit quickly or found their monthly payments to be high, with limited flexibility in setting the program's duration.

What people talk about most

Staff

Consumers consistently report positive experiences with the staff. Reviewers frequently praise the team for... See more

Payment

People report positive experiences with payment. Customers appreciate the clear explanations of how payments... See more

Customer service

Clients share positive opinions on customer service. Many customers praise the helpfulness and... See more

Service

Reviewers mention positive feedback about service. Customers appreciate the quick responses to questions and... See more

User experience

Reviewers highlight positive aspects of user experience, consistently describing it as easy, stress-free, and... See more

Based on these reviews

Rated 5 out of 5 stars

They are so kind and caring. They didn't make my accounts go in arrears in order to get my finances under control. They took my preferences into consideration when setting up my program. Other organ... See more

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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

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Rated 5 out of 5 stars

Family Credit Management is Awesome! These people really care and help in any way they can! Thank You so very much Mr. Robb Steven's for everything you have done to help me when I have been overwhelme... See more

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Rated 5 out of 5 stars

I've used family credit management for the past few years to get myself out of some debt. They're always very friendly. Always willing to work with me in case I run into a moment where I need to adjus... See more

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Rated 5 out of 5 stars

Positive experience thus far, on plan for over a year with 3 more to go. Have always been responsive and helpful to adjust as needed. Tere are alot of programs out there and hard to tell which ones... See more

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Rated 5 out of 5 stars

This is the best thing before filing bankruptcy. They negotiated my cc interest rates. I have one low payment, my credit score is still good and my payments are being made on time. I recommend Family... See more

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Rated 5 out of 5 stars

My time so far with Family Credit Management has been great. Setting up automated payments with my bank was super easy, and I even got letters from my bank thanking me for joining a debt management pr... See more

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Rated 5 out of 5 stars

Whitney was very helpful with helping me make the best decision I could make for my finances. She was very informative and patient, answering all of my questions and providing all necessary informatio... See more

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Rated 5 out of 5 stars

The best thing for anyone with debt that you are having a hard time keeping up with the monthly payments should enroll with FCM. They are able to lower your interest rates therefore lowering your mont... See more

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Rated 5 out of 5 stars

FCM makes the process of asking for a quote incredibly easy, fast, and accurate. They also don't deviate much from your quoted offer and the hard offer. Theyre also incredibly flexible about payments... See more

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Rated 5 out of 5 stars

I’m very happy with the debt management plan I received from Family Credit. It’s reasonable and doable and the reduced interest rates on my credit cards will help tremendously. Jennie was friendly, pr... See more

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Rated 5 out of 5 stars

Family Credit Management is a tremendous help by taking all the stress away from keeping track of all debts owed and making timely payments for me. Working towards being debt free feels really good an... See more

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Rated 5 out of 5 stars

Kim has been very helpful & patient with me as I began my journey to becoming debt free. I couldn’t find any other company to help me with my debt so thank you Family Credit Management for everything... See more

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Rated 5 out of 5 stars

They are friendly through the whole process. They answer any questions or concerns. They always make sure that I am able to make my payments and if something comes up and I can’t make it they are alwa... See more

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Rated 5 out of 5 stars

Everything went so smooth I couldn’t believe how easy it was all my questions were answered. There was no pressure. I talked to a couple different companies, and this was the only one that could work... See more

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Rated 5 out of 5 stars

This company has changed our lives !!! We attempted other debt management companies, but all the others felt like scams & didn't feel right. But this company has treated us right from the start ! We h... See more

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Rated 5 out of 5 stars

This by far is the best company you could ever decide to work with for debt management! They were extremely pleasant to work with and quick to respond to emails, even on the weekends. They walked me t... See more

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Rated 5 out of 5 stars

I had an appointment with another company only to find out that they were unable to service Oregon. It was a Christian based organization with so-so reviews. Then I found your organization and I was s... See more

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Rated 5 out of 5 stars

FCM did an amazing job at bringing down the interest on my credit cards and working with me throughout the process. I am still working with FCM to pay down my debt and, slowly but surely, I can see th... See more

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Rated 5 out of 5 stars

The Credit Counselor was extremely helpful and understanding. She guided us through the process, without judgement, step by step and answered all our questions. We chose Family Credit Management bec... See more

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Rated 5 out of 5 stars

I joined in April 2024; it was a super smooth process. Any question I ask (almost exclusively via email) is answered quickly and effectively. This has been a good experience, but understandably, I can... See more

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Rated 5 out of 5 stars

A debt credit advisor, Jennie, contacted me the same day with the breakdown of what my plan would look like after I filled out the questionnaire and she pulled my credit. I had some questions about th... See more

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Rated 5 out of 5 stars

I was skeptical when I first signed up. The program was easier than I thought it was going to be. Transitioning into the plan was smooth and everything was explained along the way. Not once was I made... See more

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Rated 5 out of 5 stars

Answered questions truthfully , No hidden fees ,responded to questions quickly, easy to understand responses, I have been with them for about 1 year Would recommend to family or friends in simila... See more

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Rated 2 out of 5 stars

I made my payments for almost a year now the credit card is asking me to pay them again saying it’s past due and I haven’t got any updates from Family Credit management.

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Rated 5 out of 5 stars

The system helps me to budget as it is set and will happen no matter what which takes the "choice" factor out of it and I need that. Regular and on time payments is the goal. I have appreciated FCM... See more

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Rated 5 out of 5 stars

I have pay day loans, credit cards and a couple loans they were the only place that could work with all of them. I was worried they would not pay my creditors on time because some people I know got bu... See more

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Rated 5 out of 5 stars

Jennie has been such a tremendous help in deciding to sign up for my plan. I’ve been a rollercoaster of emotions and she is well aware of my anxiety and stress over this. It gives me peace of mind tha... See more

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Rated 5 out of 5 stars

The way your business treats people is so nice. Very pleasant representative. They listen when you are talking they are very courteous. They help you out when you have a problem they find a solution t... See more

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Rated 5 out of 5 stars

It's working well but my husband had his foot a few months ago and lost his job , we have no money and had to take out a few more cards , can we add them to our payment plan please ? We cant afford it... See more

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Rated 5 out of 5 stars

New to this. We had reached out to 2 other companies but did not feel comfortable with their vague answers nor were they straigtforward about fees. Felt a bit pressured to commit right away. Further,... See more

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Rated 5 out of 5 stars

I would recommend Family Credit to anyone who needs help getting out of credit card debt. The process is so easy. The people are helpful and informative without pressuring you. I am so glad I found th... See more

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Rated 2 out of 5 stars

Everything has been good but my first three payments from entering the program to one of my credits were paid late and I have 3 late payments on my credit history.

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Rated 5 out of 5 stars

The company is always on time making payments. They are SO helpful and understanding. They share resources as needed . I really seem to care about the customer. I hope they are always able to give cus... See more

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Rated 5 out of 5 stars

The entire experience was amazing from start to finish. No 30 days late ever with the transition and fast service. I highly recommend this group. They really are not out to make money from you they tr... See more

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Rated 5 out of 5 stars

How Family Credit Management Has Helped Make My Life Better Family Credit Management has helped improve my life by giving me a clearer understanding of my finances and a practical plan to manag... See more

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Rated 1 out of 5 stars

Payments are late every month. Constantly getting late notices from creditors. Not confident that money is actually going to my bills. Credit Score dropping.

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Rated 5 out of 5 stars

Clear communication and willing to work with you in every aspect. Helped me lower my interest rates dramatically and give me a set monthly plan to be debt free!

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Rated 5 out of 5 stars

Family Credit Management has been so easy to work with and I can now see the light at the end of the tunnel. I just with I had started with them earlier instead of thinking I could do it on my own. I... See more

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Rated 5 out of 5 stars

This company is the only debt consolidation place I found that doesn't require a massive amount of debt to qualify. Payments come out automatically and if I need one adjusted they will do so. Friendly... See more

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Rated 5 out of 5 stars

Your company is doing moe than really well. Theyve made it eay for me to pay thingso ff. Thats whyi keep returing to them.Aslong as I can rememberthen ame I always will thankyou!

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Rated 2 out of 5 stars

I regularly get emails from creditors for late payments after Family Credit takes the money from my account. Every month someone gets a late payment.

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Rated 5 out of 5 stars

My experience with Family Credit Management has been very positive. The process was straightforward, communication was clear, and having a structured plan in place has taken a lot of stress off my pla... See more

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Rated 5 out of 5 stars

FCM never disappoints. They have always worked with me and always have their clients' best interest in mind. From lower interest rates to settlement agreements, FCM is the best!!! Thank you!

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Rated 5 out of 5 stars

Great customer service. Caring and knowledgeable staff. They are always available when needed. I used them before, and it was a stress free experience.

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Rated 5 out of 5 stars

Reps are friendly, helpful, and I trust the company. Sometimes they can create settlements with creditors and do not charge extra for that service. A very good feature!

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Rated 4 out of 5 stars

A good service but I often get notifications from creditors that my payments are late. I'm not assessed a late charge so it's not a big deal but the payment due dates are after my payment has been rec... See more

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Rated 5 out of 5 stars

I am so glad that I nade the call to Family Credit Management because they have helped me so much. I am glad that I made the phone call to be in this program. I feel more at ease ever since I starte... See more

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Rated 5 out of 5 stars

The process was so easy. Chris navigated me through the whole process. I don’t have to worry about running out to take calls. Everything was either emailed or texted. Thank you Chris for your patience... See more

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Rated 1 out of 5 stars

April 2025 I got a 30 day late on my credit report and I started with you. I can't remember I think it was in January or February. This whole idea consolidation was to keep my credit good and now I ha... See more

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Rated 5 out of 5 stars

Being in debt made me emotionally exhausted and stressed. Having FCM manage my payments helped me get through a very hard time in my life.

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Rated 5 out of 5 stars

The process so easy. I wish I had gone to FCM much sooner. I am almost done with my consolidation. I have recommended them to several coworkers.

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Rated 5 out of 5 stars

Thanks for handling all my accounts creditors and paying them off in doing a great job and coordination and working with me I don't know how I would have done it with out you.

Company replied


Company details

  1. #6 of 33 best companies in Debt Relief Service
  2. #3 of 9 best companies in Credit Counseling Service

Written by the company

Debt is stressful. We understand. Family Credit Management is a nonprofit that has been helping people get out of debt for over 30 years. Our Credit/Debt Advisors, who are NFCC-certified credit counselors, offer clear, personalized guidance through a traditional Debt Management Plan, our exclusive DualTrack plan that combines repayment and settlement, a settlement option for those who truly benefit from it, and our Priority Pay Plan for those who can't afford to pay all creditors at once. We work with both you and your creditors to build a plan that fits your life.


Contact info

4.9

Excellent

TrustScore 5 out of 5

466 reviews

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Replied to 100% of negative reviews

Typically replies within 48 hours

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Rated 5 out of 5 stars

Quick & Easy

Megan made everything so simple and got everything set up quickly! I'm very happy with my experience!

April 14, 2026
Rated 5 out of 5 stars

I feel like they are here to help

I feel like they are here to help. Not to take my money and not help. They have been very helpful so far with the process and seems like they are really there to help with my situation. Thank you!

April 14, 2026
Rated 5 out of 5 stars

Very satisfied with the services provided by Whitney and FCM.

Whitney was very helpful with helping me make the best decision I could make for my finances. She was very informative and patient, answering all of my questions and providing all necessary information that I needed in order to make my decision. She went above and beyond to assist me with this process!

April 10, 2026
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Reply from Family Credit Management

Whitney will really appreciate hearing this. It’s clear she took the time to make sure you felt informed and comfortable every step of the way.

Being able to ask questions, get clear answers, and never feel rushed makes such a difference when you’re making a decision like this. Your nonprofit debt management plan is meant to build on that, giving you a structured, steady path forward so you can feel confident in where you’re headed.

Rated 5 out of 5 stars

They are doing great

They are doing great. No issues

April 7, 2026
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Reply from Family Credit Management

We’re really glad things have been going smoothly for you. Hearing that there haven’t been any issues is exactly what we hope for.

Your nonprofit debt management plan is meant to keep everything steady and on track, and it’s great to know it’s been working well for you so far.

Rated 5 out of 5 stars

Great service and explanation of the…

Great service and explanation of the plan. Took their time to make sure I understood.

April 8, 2026
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Reply from Family Credit Management

It’s great to hear they took the time to walk through everything with you and make sure it all made sense. That kind of care and patience can make a big difference.

For more than 30 years, our nonprofit debt management plan has been helping people move forward with a clear, structured repayment plan they can rely on. We’re here for you whenever you need us.

Rated 5 out of 5 stars

Very helpful thank you

Very helpful thank you

April 7, 2026
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Reply from Family Credit Management

We really appreciate you saying that. It’s great to hear you found things helpful.

Your nonprofit debt management plan is there to make things clearer and more manageable, and we’re always here if you need anything along the way.

Rated 5 out of 5 stars

So far so good

So far so good. Megan has been very helpful

April 6, 2026
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Reply from Family Credit Management

It’s really nice to hear things are off to a good start. Megan will be glad to know she’s been helpful along the way.

Getting that kind of support early on can make a big difference. Your nonprofit debt management plan is meant to give you a steady, structured path forward, and we’re here for you every step of the way.

Rated 5 out of 5 stars

They are so kind and caring

They are so kind and caring. They didn't make my accounts go in arrears in order to get my finances under control. They took my preferences into consideration when setting up my program. Other organizations I reached out to told me what I was going to do without discussing it with me.

April 6, 2026
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Reply from Family Credit Management

That really means a lot to hear. Being treated with kindness and having your preferences respected can make such a difference, especially when you’re making decisions like this.

We’re really glad you felt heard and not pushed into something that didn’t feel right. Your nonprofit debt management plan is meant to work with you, not around you, with a structured approach that fits your situation and helps you move forward in a way that feels comfortable.

Rated 5 out of 5 stars

It was easy and fast

It was easy and fast

April 6, 2026
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Reply from Family Credit Management

Getting started easily and quickly can take a lot of the weight off right away, especially when you’re first taking that step.

Your nonprofit debt management plan is meant to keep things feeling steady and manageable from here, with a clear path ahead. We’re here for you along the way whenever you need us.

Rated 5 out of 5 stars

Reliable and Easy to Set Up

Family Credit Counseling is always there when I need them and makes the bill consolidation process easy and understandable at a low monthly price.

April 3, 2026
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Reply from Family Credit Management

It’s really nice to hear you’ve felt supported whenever you’ve needed help. Knowing you can reach out and get answers makes a big difference.

We’re also glad the process has felt easy to understand and manageable with a monthly payment that works for you. Your nonprofit debt management plan is designed to bring everything together into a clear, structured path forward so you can move ahead with more confidence.

Rated 5 out of 5 stars

Debt Consolation was stress free and no pressure

It was stress free and no pressure. Everyone was most helpful. Patient and kind. It was quick and after documents signed it was a great relief. I would give it an A+ for customer service. Thank you so much.

April 1, 2026
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Reply from Family Credit Management

We’re so glad the whole experience felt stress free and without pressure. Being able to move through everything quickly, feel supported, and then have that sense of relief once it’s all set up makes such a difference.

It’s really nice to hear you felt met with patience and kindness every step of the way. Your nonprofit debt management plan is meant to bring that kind of ease, with a clear, structured path forward so things feel more manageable right from the start. We truly appreciate your kind words.

Rated 5 out of 5 stars

Extremely helpful…

The Credit Counselor was extremely helpful and understanding. She guided us through the process, without judgement, step by step and answered all our questions. We chose Family Credit Management because we wanted our debt to be paid and not negotiated down. In addition, the interest rates were lower and we knew this would be a key to our financial journey back.

March 31, 2026
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Reply from Family Credit Management

Thank you so much for sharing this. We’re really glad your counselor was so helpful and understanding as she walked you through everything step by step. Being able to ask questions, get clear answers, and never feel judged makes such a difference.

It also means a lot that you chose Family Credit Management because you wanted to fully repay your debt, not settle it. That is exactly what our nonprofit debt management plan is designed to support, a structured repayment plan with lower interest rates and a steady path forward. We’re so glad it feels like the right fit for your financial journey, and we’re honored to be part of it.

Rated 5 out of 5 stars

Amber was very helpful snd answered all…

Amber was very helpful and answered all of my questions and concerns. The process was easy without getting millions of spam calls, they really are not for profit.

March 31, 2026
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Reply from Family Credit Management

It’s really nice to hear Amber was able to help with all of your questions and concerns. Having someone take the time to walk through everything can make things feel a lot more comfortable.

And the fact that the process felt easy without all the spam calls is a big plus. Being able to move forward without that kind of pressure makes a real difference. Your nonprofit debt management plan is meant to keep things simple and manageable, so you can stay focused on making steady progress.

Rated 5 out of 5 stars

Process was fast and easy

Process was fast and easy , got a quote in minutes and people in customer service were great and nice specially Gisell , experience great over all.

March 31, 2026
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Reply from Family Credit Management

Getting everything set up quickly and receiving a quote in minutes can make the whole experience feel a lot easier right from the start.

It’s especially nice to hear that Gisell made such a positive impression. Being kind, helpful, and easy to work with really matters in those first steps. Your nonprofit debt management plan is meant to keep that same smooth, straightforward feel going as you move forward.

Rated 5 out of 5 stars

New to this

New to this. We had reached out to 2 other companies but did not feel comfortable with their vague answers nor were they straigtforward about fees. Felt a bit pressured to commit right away. Further, we were quoted 23% - 25% fee even though their website stated fees start from 4.99% up to 35.99%. When I mentioned what I was reading directly from their website, the service representative chose to ignore what I said and stuck to his script. Glad I came across FCM! I believe I was spiritually led to FCM. My experience with Family Credit Mgmt was excellent! They were quick to address my questions via email and even communicated with me after office hours via text! Wow! Now THAT is stellar customer service! We set up a phone appointment from one day to the next and got a very polite and helpful Counselor, Miss Whitney R.
I would like to extend a big Thanks to Robb S. as well for assisting us from the start.

March 31, 2026
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Reply from Family Credit Management

We’re so glad you found your way to us, especially after the experiences you had before. Trying to sort through different companies, unclear answers, and feeling pressured can be really frustrating, so it means a lot that things felt different and more comfortable here.

It’s wonderful to hear that your questions were answered clearly, that communication was easy even outside of normal hours, and that everything came together quickly for you. Whitney and Robb will both really appreciate your kind words. Having a team that takes the time to be responsive, respectful, and helpful makes such a difference when you’re making a decision like this.

Your nonprofit debt management plan is meant to give you that clarity and a steady path forward without pressure or confusion, and we’re so glad you’re starting this journey feeling confident and supported.

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