Best Debt Companys

159 Companies 3,679 Real Customer Reviews

#13
Family Credit Management Reviews

Family Credit Management Reviews

Reviews of Family Credit Management from real customers
(2 verified)

Our Score
4.2
User Score
10.0

See Top Rated

Our Score
4.2
User Score
10.0
Rank this Company

Ratings Breakdown

Price

monthly price
Undisclosed

Up-Front Fees

setup & activation fees
Undisclosed

Free Consultation

is one included?
Yes

Credit Counseling

do they offer credit counseling services?
Yes

Certified Counselors

are there certified counselors on staff?
Yes

ISO Certified

is this business ISO certified?
Yes

Number of Reviews

User reviews here on BDC
2

Overall Score

Based on ranking criteria
4.2 /10

Consolidated Credit

Compared to industry leader
9.3 /10

This Review is maintained by Chase Sagum

Review Last Updated: November 15, 2018

Most Helpful Reviews

  1. User Score
    7
    Roxy Thoemke Hooks
    August 4th, 2018 Homer, GA
    Abigail was very friendly and did not make me feel rushed during the free consultation.Read More
  2. User Score
    10
    carolyn queen
    October 15th, 2014 Bellmawr, NJ
    I love family credit very professionalRead More

The Good

  • Free consultation with a certified debt counselor
  • Positive Reviews

Free Consultation

Family Credit offers free ten minute consultations and a money back guarantee to help ease any concerns and answer questions of prospective clientele. It is also worth noting that the company has a nationwide presence, licensed to help customers in all 50 states.

Positive Reviews

Customer reviews seem to emphasize how courteous and helpful the staff is, both during the free consultation and while working to pay off their debts. Others have expressed appreciation for the fact that working with Family Credit Management has helped them pay off their debts without damaging their credit scores. We like this company’s approach when it comes to understanding the economic hardship of consumers inquiring about their services. They allow clients to choose a due date suiting their personal schedule and even allow some to cut the monthly payment into two monthly installments to help ensure program success.

Best Debt Consolidation Companies

The Bad

  • No AICCCA Accreditation
  • No NFCC Accreditation

Lack of Accreditation

Our review team had to look hard to find something worth complaining about with Family Credit Management. The only drawback is that although the company has some accreditations, it is not certified by the AICCCA or NFCC. These certifications usually serve to help show that a company knows what it’s doing and follows industry best practices.

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The Bottom Line

We are impressed by Family Credit Management. Although they may not carry all possible accreditations, its track record, solid reputation, and consumer-friendly practices are major points in their favor. Ultimately, the reported results of past clients seem to speak for themselves and we recommend Family Credit Management to any reader struggling with debt and looking for a faster way out.

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About Family Credit Management

As an established non-profit organization, Family Credit Management provides its customers with a credit counselor to discuss debt management, credit counseling, and housing counseling. Family Credit Management is known for being a true debt consolidation organization that combines consumer’s debt into one monthly payment and assists in lowering the overall interest rate. Family Credit Management was able to help one consumer reduce their interest rate as low as 1.9 percent. Family Credit Management also provides a few free resources like a digital personal finance made easy book, “100 Small Ways to Save BIG” booklet, several financial calculators, and a personal spending plan.

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2 Family Credit Management Reviews

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1
1
0=WORST 10=BEST

2. Subject For This Review*(Select all that apply)

3. Review Validation*

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    Sort By:

  1. User Score
    7
    August 4th, 2018 Homer, GA
    2 people found this review helpful!
    Abigail was very friendly and did not make me feel rushed during the free consultation.
    Read More
  2. User Score
    10
    October 15th, 2014 Bellmawr, NJ
    9 people found this review helpful!
    I love family credit very professional
    Read More
  • Takes your existing debt and try to settle with your creditors for a lower amount. If you pay off the settled amount, your debt will be considered paid in full.
  • Negotiates with your creditors on your behalf.
  • Fee based on a percentage of your total starting debt or a percentage of the debt they save you.
  • Most settlement companies have you create a separate "escrow" account where you will make monthly contributions over a certain amount of time to contribute to your settlement. Once there is a substantial amount of funds to show your creditors, the settlement company will try to negotiate a lower amount of debt.
  • Combines all your debts and creditors into one monthly payment.
  • Allows you to pay one monthly payment to the consolidation company, instead of multiple payments to different creditors.
  • You no longer owe your original creditors; instead you pay one monthly payment to your consolidation company.
  • Consolidation companies can help negotiate lower interest rates on your debts and help lower your total debt payment in the long run. A lower interest rate will lower the amount you owe in the end.
  • Allows you to consolidate all your different debts into one personal loan that can be paid off over time.
  • Can offer borrowers a lower interest rate with a longer payback term (compared to high-interest credit cards or medical bills). This will lower the amount of money required to pay off the loan over time.
  • Personal loan debt consolidation can be an effective way to raise your credit score quickly (within 3-6 months).
  • Borrowers can receive funds from their loan within only a few days.

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Real Reviews (yes they’re real)

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Our Score
4.2
User Score
10.0
Rank this Company

Ratings Breakdown

Price

monthly price
Undisclosed

Up-Front Fees

setup & activation fees
Undisclosed

Free Consultation

is one included?
Yes

Credit Counseling

do they offer credit counseling services?
Yes

Certified Counselors

are there certified counselors on staff?
Yes

ISO Certified

is this business ISO certified?
Yes

Number of Reviews

User reviews here on BDC
2

Overall Score

Based on ranking criteria
4.2 /10

Consolidated Credit

Compared to industry leader
9.3 /10
Our Score
9.3
User Score
9.4
Rank this Company

Ratings Breakdown

Price

monthly price range
Up to $69

Up-Front Fees

setup & activation fees
Up to $49

Free Consultation

is one included?
Yes

Credit Counseling

do they offer credit counseling services?
Yes

Certified Counselors

are there certified counselors on staff?
Yes

ISO Certified

is this business ISO certified?
Yes

Number of Reviews

User reviews here on BDC
424

Overall Score

Based on ranking criteria
9.3 /10