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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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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Got myself in a real financial mess to the tune of close to 50k in debt with credit cards. Family Credit Management did all the leg work and managed to get me on a payment plan for 6 years to be... 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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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
692 reviews
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Replied to 100% of negative reviews
Typically replies within 48 hours
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This big step was worth it
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 Family credit management was very helpful and quick to respond. They didnt pressure me with phone calls, they actually offered phone,text or email as ways of communication. Communication was smooth and they thoroughly answered my questions.
18 May 2026
Reply from Family Credit Management
Thank you for sharing your experience with us. We know how overwhelming it can feel when one unexpected expense suddenly throws everything off balance, and reaching out for help is not always easy.
Unfortunately, our industry does have some bad actors that rely on pressure tactics and nonstop phone calls, and we know that is the last thing people need when they are already stressed. That is one of the reasons we started offering enrollment options that do not even require a phone call if someone is more comfortable communicating by text or email. We have found a lot of people appreciate being able to move at their own pace without feeling pressured.
We are really glad the process felt smooth, supportive, and easy to communicate through. Thank you again for trusting Family Credit Management to help.
Such a simple process
Such a simple process, wish I would have done this a long time ago. Definitely feel a very big relief!
18 May 2026
Reply from Family Credit Management
Thank you for the kind words. Honestly, life is complicated enough, so one of our biggest goals is to make this process as simple and stress free as we possibly can. We are really happy to hear you felt a sense of relief and that things felt easy to navigate. That is exactly how we want people to feel when they work with Family Credit Management. We truly appreciate the opportunity to help.
Whitney was incredibly patient
Whitney was incredibly patient, thoughtful, and approachable. She contacted me via my preferred method, responded quickly, and ensured all my questions were answered. She helped make a tough decision easier.
18 May 2026
Reply from Family Credit Management
Thank you for the kind words and for sharing your experience. We know conversations like this are not always easy, so we are really glad Whitney helped make the process feel less stressful and easier to navigate. Whitney truly does have a gift for making people feel comfortable and heard, and we are happy to hear she was patient, responsive, and there when you needed answers.
We truly appreciate the opportunity to help and thank you again for trusting Family Credit Management.
There is help available
I was referred to you by a current client and I found it to be a great choice for me. Jennie has been very helpful. I am actually very hopeful that I this burden I have got into can be resolved. I am grateful for the opportunity you have given me, thank you ☺️
18 May 2026
Reply from Family Credit Management
Thank you so much for the kind words and for sharing your experience. We absolutely love personal referrals because there really is no bigger compliment than a current client feeling comfortable enough to recommend us to someone they know. Jennie is truly one of the best, and we are so glad to hear she has been helpful throughout the process.
Most importantly, we are happy to hear you are feeling hopeful again. Financial problems can feel incredibly stressful and heavy, especially when it feels like there is no clear way out. The good news is you do not have to figure this out by yourself anymore. You now have Jennie and our entire organization in your corner, backed by more than 30 years of experience helping people work through situations just like this. We truly appreciate the opportunity to help.
Super easy to work with
Super easy to work with. Willing to answer all questions. I'm just getting started on my journey but feel very confident with Family Credit in my corner.
18 May 2026
Reply from Family Credit Management
Thank you for the kind words and for trusting Family Credit Management to help you through this process. We know reaching out for help is not always easy, so it means a lot to hear you already feel confident. Remember, you are not doing this alone. You have our entire organization in your corner, from your credit counselor, to client support, to our creditor relations group, all backed by our companies more than 30 years of experience helping people work through difficult financial situations. We truly appreciate the opportunity to work with you and look forward to being here for you every step of the way.
Chris was patient and explained all…
Chris was patient and explained all details. It has not been easy these last couple of years Chris showed genuine interest.
I felt at ease and look forward to bouncing back financially and with my credit.
Thanks Chris and Family Credit Management.
16 May 2026
Reply from Family Credit Management
It’s wonderful to hear Chris helped make you feel at ease during such a difficult time. Having someone who is patient, genuinely interested, and willing to carefully explain everything can make such a big difference. We’ll be sure to share your kind words with Chris.
Hearing that you’re looking forward to bouncing back financially and rebuilding your credit is really encouraging. Your nonprofit debt management plan is designed to give you a steady, structured path forward with support you can count on along the way. We’re always here whenever you need us.
On the Way to Financial Freedom
It was so easy to share my debt and I qualified! I talked with Whitney and she talked to me on what I could expect as far as the time frame and which of my accounts could be a part of my debt-free process. There were no feelings of being judged, just a calmness of knowing I am now in good hands with an organization that is all about helping with our today's finances that can cause stress.
15 May 2026
Reply from Family Credit Management
Thank you for taking the time to share this. Being able to talk openly about your debt without feeling judged can make such a huge difference, and we’re so glad Whitney helped make the process feel calm, comfortable, and easy to understand. We’ll definitely be sure to share your kind words with her.
Having Whitney walk through the timeline, explain what to expect, and help you understand which accounts could be part of your plan can really help take some of the stress out of getting started. Your nonprofit debt management plan is designed to give you a clear, structured path forward with manageable monthly payments, so things feel more within reach and less overwhelming. We’re always here whenever you need us along the way.
Erica has been very patient and…
Erica has been very patient and helpful, and deserves 5 stars.
The system for online registration has been a nightmare!
15 May 2026
Reply from Family Credit Management
Thank you so much for the 5-star review. We really appreciate you taking the time to share your experience.
We’re sorry the DocuSign process was frustrating. DocuSign is actually a third-party company we use for secure electronic signatures, so unfortunately we do not have the ability to change how their system works.
I don’t believe there should be any additional documents needing your signature moving forward, but if we do, we would absolutely be happy to mail the documents to you instead and you could simply mail them back to us.
Thanks again for the feedback and for allowing us the opportunity to help you work toward becoming debt free.
There was an instant weight lifted from…
There was an instant weight lifted from my shoulders the minute I signed up for Family Debt Management. It is so nice to feel as though I finally am going to get some debt relief and my family can begin to build towards a better future.
14 May 2026
Reply from Family Credit Management
Thank you so much for the wonderful review.
Honestly, one of the best parts of what we do is hearing clients describe that feeling of relief after finally taking the first step. Debt can feel incredibly heavy and stressful, so knowing you already feel some of that weight lifted really means a lot to us.
We’re excited to be part of your journey and help you and your family build toward a better financial future.
Strongly recommend
Wonderful representative who are attentive patient and give guidance with a smile
Wonderful payment rates
14 May 2026
Reply from Family Credit Management
Thank you so much for the great review and recommendation.
One of the biggest things we focus on is treating people with patience and respect while helping them find a realistic solution that actually fits their budget. Debt can feel overwhelming, so having lower, manageable payments can make a huge difference both financially and emotionally.
We really appreciate you trusting Family Credit Management to help you through the process.
SO FAR SO GOOD.
SO FAR SO GOOD.
PROGRAM IS WORKING LIKE IT WAS EXPLAINED TO ME. NEEDED THIS PROGRAM FOR ABOUT 18 MONTHS. GLAD I FOUND IT.
REPS ARE VERY RESPONSIVE AND TIMELY.
27 April 2026
Reply from Family Credit Management
Thank you so much for the 5-star review. We’re really glad to hear the program has been working the way it was explained and that you found us when you needed help.
We know reaching out can be stressful at first, so it means a lot to hear things have been going smoothly and that our team has been responsive and quick to help along the way.
Thank you again for choosing Family Credit Management. We truly appreciate the opportunity to help.
I am just starting my journey but…
I am just starting my journey but Jennie Baxter has been very helpful.
14 May 2026
Reply from Family Credit Management
Thank you so much for the 5-star review, and I made sure to share this with Jennie earlier today.
Jennie has been helping clients for more than 15 years and honestly is one of the best in the industry. Her experience, patience, and the way she genuinely cares about people really come through in every conversation she has with clients.
Thank you again for choosing Family Credit Management. We truly appreciate the opportunity to help you work toward becoming debt free.
Reply from Family Credit Management
Thank you so much for the 5-star review. We’re so glad to hear the process felt simple and easy to work through.
We know dealing with debt can feel overwhelming at first, so one of our biggest goals is to make the process as straightforward, comfortable, and stress-free as possible from the very beginning.
Thank you again for choosing Family Credit Management and for allowing us the opportunity to help.
Chris was awesome to work with &…
Chris was awesome to work with & answered all concerns immediately, by phone and email. Chris addressed all my concerns clearly & a reasonable payment plan.
12 May 2026
Reply from Family Credit Management
Thank you so much for the wonderful 5-star review. I actually spoke with Chris today and he was genuinely so happy and appreciative to hear about your kind comments.
We’re very fortunate to have counselors like Chris who truly care about our clients and take the time to explain everything clearly and respond quickly. We know reaching out for help with debt can feel stressful, so it means a lot to hear that he helped make the process easier and more comfortable for you.
Thank you again for trusting Family Credit Management. We truly appreciate the opportunity to help.
Worked with this company 10 years ago
Worked with this company 10 years ago, great company
11 May 2026
Reply from Family Credit Management
Hearing that you worked with us 10 years ago and came back again really means a lot. There’s no better compliment than trusting us again when you needed support.
For more than 30 years, our nonprofit debt management plan has been helping people find a steady, structured path forward, and we’re grateful to continue being part of your journey. We’re always here whenever you need us along the way.
Great Company! Saves me money each month!
In addition, they are very easy and quick to communicate with.
20 March 2026
Reply from Family Credit Management
Saving money each month can really take some pressure off, so it’s great to hear the plan has been helping in that way.
We’re also happy to know communication has been easy and quick whenever you’ve reached out. Your nonprofit debt management plan is meant to make things feel more manageable with a steady path forward and support you can count on. We’re always here whenever you need us along the way.
My debt is being paid down
My debt is being paid down, they always take the payment on time. Never any harassing calls, text or emails.
8 May 2026
Reply from Family Credit Management
Seeing your debt steadily being paid down and knowing your payments are handled on time can bring such a sense of relief.
We’re also really glad you’ve been able to avoid all the stressful calls, texts, and emails while on the plan. Your nonprofit debt management plan is designed to help bring that kind of stability and peace of mind with a structured path forward you can rely on. We’re always here whenever you need us along the way.
Very helpful n made this easy for me
Very helpful n made this easy for me. I had no one to help me with my accounts but Erica was very kind.
20 April 2026
Reply from Family Credit Management
It’s really nice to hear Erica was able to make things feel easier for you. Trying to manage everything on your own can feel like a lot, so having someone kind and supportive there to help can make such a difference. We’ll definitely be sure to share your kind words with Erica.
Your nonprofit debt management plan is meant to give you that same steady support with a structured path forward that feels manageable month by month. We’re always here whenever you need us along the way.
Jenny was great at explaining…
Jenny was great at explaining everything n made the process very easy...excited to get started 😁
7 May 2026
Reply from Family Credit Management
Thank you for taking the time to share your experience. We’re so glad Jennie helped make everything feel clear, comfortable, and easy to understand from the very beginning. We’ll be sure to share your kind words with her.
Taking that first step can feel overwhelming, so having Jennie there to walk through the details and answer questions can make such a difference. Your nonprofit debt management plan is designed to give you a structured path forward with affordable monthly payments that feel more manageable over time. We’re happy to be on this journey with you and are always here whenever you need us along the way.
vert good service
6 May 2026
Reply from Family Credit Management
Thank you for taking the time to share your experience. We’re really glad the service has felt helpful and that things have been manageable from the start.
Your nonprofit debt management plan is designed to create a clear, structured repayment plan with a steady path forward, so month to month progress feels more realistic and less stressful. We’re always here to help whenever you need us along the way.
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