So far I've had a really wonderful experience with Family Credit Management. Everyone I've spoken with has been kind and understanding, which has been so nice considering how much I guilt trip myself... See more
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Review summary
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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
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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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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
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Company details
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
111 N. Wabash Avenue, Suite 1408, 60602, Chicago, United States
- 800-994-3328
- counseling@familycredit.org
- familycredit.org
4.9
Excellent
703 reviews
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Replied to 100% of negative reviews
Typically replies within 48 hours
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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.
3 February 2026
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.
Very easy to do
8 June 2026
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.
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.
8 June 2026
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.
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.
23 May 2026
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.
Answered all of my questions honestly…
Answered all of my questions honestly and in depth.
8 June 2026
Reply from Family Credit Management
Thank you for your review. We really appreciate you taking the time to share your experience.
Making decisions about debt and your financial future can feel overwhelming, and it's completely normal to have a lot of questions. In fact, we encourage it. Some of our most successful clients are the ones who ask the most questions because they take the time to fully understand their options and feel confident about the path they're choosing.
For more than 30 years, Family Credit Management has helped people work through financial challenges, and we've learned that no two situations are exactly alike. Taking the time to listen, answer questions, and help clients understand what makes sense for their unique circumstances is one of the most important parts of what we do.
Thank you for trusting Family Credit Management. We're glad we could help and wish you continued success on your journey toward becoming debt-free.
They were the one company that was able…
They were the one company that was able to take care of me when no other company wanted to help me!!
7 June 2026
Reply from Family Credit Management
Thank you for sharing your experience. One of the hardest parts of dealing with debt is feeling like you've run out of options, so we're especially happy we were able to help when other companies couldn't.
For more than 30 years, Family Credit Management has worked with people facing all kinds of financial challenges. We know that every situation is different, which is why our team takes the time to understand each client's unique circumstances and explore solutions that fit their goals.
Thank you for trusting us. We appreciate the opportunity to help and wish you continued success on your journey toward financial freedom and becoming debt-free.
Kim is an exceptional professional who…
Kim is an exceptional professional who goes “above and beyond!”
I would highly recommend Kim and Family Credit for their expertise!
5 June 2026
Reply from Family Credit Management
Kim cares deeply about the people she works with, and she was so happy to hear that she made such a positive impact. When you're looking for help with debt, having someone who takes the time to answer your questions, explain things clearly, and help you understand your options can make the whole process feel a lot less stressful.
That's what we try to do every day. We want people to have clear information, a structured repayment plan, and confidence that they're making the right decision for their situation.
Thank you for recommending both Kim and Family Credit Management. We really appreciate you taking the time to share your experience.
Jennie was patient and caring
Jennie was patient and caring. She answered all my questions and made me feel comfortable. She gave me the confidence that I made the right decision.
1 June 2026
Reply from Family Credit Management
I couldn't wait to show Jennie your review. I can tell it really made her day!
Finding the best way to deal with debt can be stressful, and it's completely normal to have a lot of questions. Honestly, we love questions. This is an important decision, and we want people to understand their options, know exactly what they're signing up for, and feel comfortable every step of the way. I'm glad Jennie took the time to answer your questions, provide clear information, and help you feel confident in the decision you made.
What you described is exactly the kind of experience we want people to have when they reach out to Family Credit Management. Whether someone is looking for debt help, credit counseling, or a debt management plan, they should never feel rushed or pressured and should always feel comfortable asking questions.
Thank you for sharing your experience. We're grateful you chose us, and Jennie and the rest of us will be here whenever you need us.
This company is the best
This company is the best. I will be debt free in 20 months. Working with them went so smoothly and quickly. I am so glad I took this route. I have put all my trust into Family Credit Management
3 June 2026
Reply from Family Credit Management
Twenty months until you're debt-free. That's awesome.
I'm really glad to hear everything went smoothly and came together so quickly for you. Taking that first step can feel like a big one, but having a debt management plan that provides a structured repayment plan and a clear path forward can make a huge difference. Knowing when you'll be debt-free gives you something tangible to work toward and can bring a lot of confidence and peace of mind.
Thank you for putting your trust in Family Credit Management and for taking the time to share your experience. We appreciate it, and everyone here will be cheering you on as you get closer and closer to that debt-free date.
They were fast
They were fast, efficient, and understood exactly what I needed. They more than exceeded my expectations and I am relieved to feel that I'm on the right track to becoming debt free.
3 June 2026
Reply from Family Credit Management
Being able to breathe a little easier is a big win, and we're so glad you're feeling that way.
Debt can be stressful, especially when it feels like there's no clear path forward. We're happy our team was able to make the process simple, efficient, and help you find a debt management solution that fit your needs. Having a plan in place can make a huge difference, and it's wonderful to hear you're feeling confident about your journey toward becoming debt-free.
Thank you for sharing your experience and for trusting Family Credit Management. We're honored to be part of your financial journey and look forward to helping you reach your goals.
I had used this company before
I had used this company before. I lost my job and left the program with two accounts still open three years later in a panic I called these people, and they help me patiently, kindly and professionally help me with these acc. And a few more . The counselor I talked to on the phone Chris was a godsend. I was having a panic attack when I called him and he was such a professional.🩵🙏
2 June 2026
Reply from Family Credit Management
Stories like yours mean a great deal to us. Life can change quickly, and losing a job is stressful enough without having to worry about debt on top of everything else. We're glad you remembered us and reached back out when you needed help.
We're especially happy to hear that Chris was there for you during such a difficult moment. Sometimes people call us feeling overwhelmed, scared, or unsure of what to do next, and taking the time to listen with patience, kindness, and professionalism is every bit as important as the financial guidance we provide. Chris truly has a gift for helping people feel heard and supported when they need it most, and we're fortunate to have him as part of our group.
Thank you for placing your trust in us again. Wishing you calmer days ahead, and please know that everyone at Family Credit Management is here for you as you continue moving forward.
Immense gratitude!
We are so relieved to have Family Credit Management in our corner. For the first time in years we feel some hope that we can get out of debt for good. We are very grateful for this organization and the great work they do.
1 June 2026
Reply from Family Credit Management
Reading reviews like this is exactly why we do what we do. Debt can feel overwhelming, and when people have been carrying that burden for years, sometimes the biggest change at first isn't the numbers, it's finally having some hope and a plan.
Thank you for trusting Family Credit Management to be in your corner. We're honored to be part of your journey, and if you stay the course, you'll be surprised how quickly those balances start moving in the right direction. Just remember, you're not doing this alone. Everyone at Family Credit Management is here to support you every step of the way as you work toward putting this debt behind you once and for all.
Helping me so much
Great customer service. Process was quick and worked out for my benefit
1 June 2026
Reply from Family Credit Management
It's always encouraging to hear when someone is already seeing the benefits of the program. One of our goals is to make the process as simple and stress-free as possible while helping people find a realistic path out of debt.
We're also glad to hear you received great customer service. The quality of the people here is one of the things that sets Family Credit Management apart. We've always believed in providing personal attention, honest guidance, and treating people the way we'd want our own family members treated. Thank you for giving us the opportunity to help, and we wish you continued success on your journey to becoming debt-free.
Representatives are all very helpful…
Representatives are all very helpful and thorough in answering any and all questions!
11 February 2026
Reply from Family Credit Management
Hearing feedback like this means a lot to us. One of the things that makes Family Credit Management different is the quality of our people. We're not trying to be the biggest credit counseling agency, we'd rather provide the kind of personal service and attention that feels a little more boutique. That's why it's so rewarding to hear that our team took the time to answer your questions and make sure you felt informed throughout the process.
We know reaching out for help isn't always easy, and we believe everyone deserves honest answers and people who genuinely care. Thank you for giving us the opportunity to help, and we wish you all the best as you continue working toward your financial goals.
Ericka was great to work with
Ericka was great to work with, I felt like she was giving me honest answers. Hopeful that with the help of family credit management, I will soon be out out of debt.
1 June 2026
Reply from Family Credit Management
Thank you for sharing your experience. We're so glad to hear that Erica provided honest answers and made the process a positive one for you. We believe consumers deserve straightforward guidance and support, especially when making important financial decisions.
And you're right, if you stay the course, you'll have this debt behind you before you know it, once and for all. Thank you for trusting Family Credit Management to help you get there. We wish you continued success and look forward to being part of your journey to financial freedom.
Reply from Family Credit Management
Thank you for the 5-star review. We love hearing that your experience was fast, easy, and comfortable. We know reaching out for help with debt can sometimes feel intimidating, so our goal is always to make the process as simple, stress-free, and supportive as possible.
Thank you for trusting Family Credit Management. We appreciate the opportunity to help consumers explore their options and work toward a stronger financial future.
I am so thankful I stumbled across…
I am so thankful I stumbled across Family Credit Management. It has been hands down the best decision to go with them. Before I came across them, I was getting so many phone calls, texts, emails to the point that it was annoying and felt defeated. The difference with FCM is that I was able to communicate with them by text and email. Which worked best for me so that I could respond when I could during work. The process was throughly explained and was such an easy process. FCM has lifted this heavy burden off my shoulders. I’m looking forward to being debt free! Thank you FCM, you guys are fantastic and wonderful!!
27 May 2026
Reply from Family Credit Management
Thank you so much for sharing your experience. Feeling overwhelmed by constant phone calls, emails, and texts can be incredibly stressful, and we're glad we were able to help make the process feel more manageable and give you some peace of mind.
We're also happy to hear that communicating by text and email worked well for your schedule. At Family Credit Management, we believe the best solutions are the ones that fit a person's real life and individual circumstances. Our goal is always to do what is in the consumer's best interest, provide honest guidance, and help people find a realistic path toward becoming debt-free. Thank you for trusting us to be part of your journey, and we wish you continued success as you work toward your financial goals.
Reply from Family Credit Management
Easy, helpful, and knowledgeable are exactly the experience we hope every client has, so we're thrilled to hear that reflected in your review.
At Family Credit Management, our goal is to make getting out of debt less overwhelming by providing expert credit counseling, personalized debt management plans, and ongoing support from a team that genuinely cares about your success.
We're honored to be part of your journey toward becoming debt-free, and we'll be here whenever you need us.
The process was mostly painless
The process was mostly painless. The credit counselor was great, very professional and patient. Some of the paperwork was not as clear as it could have been.
29 May 2026
Reply from Family Credit Management
We're glad to hear the process was mostly painless and that your credit counselor provided the professional and patient support we strive for. We know that discussing debt can be stressful, and our goal is to make the process as comfortable and straightforward as possible.
We also appreciate your feedback about the paperwork. As a nonprofit credit counseling and debt management organization, we are always looking for ways to make our documents and enrollment process easier to understand.
Thank you for trusting Family Credit Management to help you reduce interest, repay your debt, and work toward financial freedom. Our counselors, creditor relations group, and client support staff are all here to help throughout your journey.
All of my questions were answered…
All of my questions were answered quickly and effectively, the entire process was very simple and I understood completely what to expect.
27 May 2026
Reply from Family Credit Management
Having your questions answered quickly and clearly can make such a difference, especially when you're trying to understand all of your options.
We’re glad the process felt simple and that you knew what to expect every step of the way. Your nonprofit debt management plan is designed to provide that same sense of clarity, with a structured path forward that feels manageable and easy to follow. We’re always here whenever you need us along the way.
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