Family Credit Management has been in the financial industry for over 20 years, making them one of the most tried-and-true consolidation companies around. They made a reputation for themselves based on superior-quality service through their highly-qualified and certified credit counselors, along with some of the lowest prices and best rates in the industry. In addition to their great counselors, they are also highly accredited with ISO and CPFC accreditations.

About Family Credit Management

Family Credit Management is a non-profit organization that offers consumers a credit counselor to discuss debt management, credit counseling, and housing aid. Family Credit Management is considered a true debt consolidation company that combines customer’s debt into one monthly payment with overall lower monthly interest rates.

In one specific case, Family Credit was able to reduce a client’s interest rate to 1.9%. Family Credit Management also offers free resources such as a digital finance made easy e-book called “100 Small Ways to Save BIG,” many financial calculators, and a personal spending plan.

Basic Information

  • Address: 111 N Wabash Ave Ste 1408, Chicago, IL 60602-3055
  • Web Address:
  • Date of Founding: 1/1/1996
  • Contact Number: (800) 994-3328
  • BBB Accredited? Yes, since 1999

The Company

Family Credit Management have an experienced team, one that they claim has over 300 years of experience in the debt relief industry. They are led by Michael McAuliffe, who has been their president since they were found in 1996, and Curt Galloway, who has acted as the director for the same length of time. They have what appears to be a very experienced and committed team, and even have a company dog!

Their boardroom consists of a dozen or so experienced professionals, but they also hire up to 150 employees to staff the lines, work on the website, and perform other essential tasks within the company. We weren't able to speak with a great deal of current or former employees, but the ones we did speak to had nothing but good things to say about how the company is run and how they treat their workers.

They see themselves as a family, and they seem to actually treat their employees like they are members of the family as well, which is always nice to see.

Family Credit Management Review


There are a lot of positive reviews out there for Family Credit Management. these can be found on user review sites as well as the Better Business Bureau. There are also a number of testimonials on their site, but these should always be ignored in favor of the user review sites.

Complaints, and how the company responds to them, are also a great indicator of how customer-centric they are. You're not looking for a company that has no complaints, as they all have them, but rather you're looking for one that always makes an effort to deal with those complaints in a timely manner and Family Credit Management seem to do just that.

We have to be honest and say that we don't entirely agree with how they respond to, and deal with, some of these complaints as on many occasions they make it clear that their goal is to get the complaint closed by BBB and not to satisfy the customer. Of course, a company always has this goal, no matter what they might say, but we prefer the apologetic approach (even when the customer is in the wrong) and an offer to do anything that is needed.


There is a setup fee of $40 and a monthly account fee of $30. These are called “average” prices in the Family Credit Management terms and conditions, so there is a chance that you will actually be charged more. However, you will be told this in more detail when you take the free consultation.

There are also ways that these fees can be reduced or waived completely, we're just not sure what those ways are and have not been able to find anyone who has had them waived or significantly reduced. That's not to say that it's not possible, but that we're not sure how it is possible.

Family Credit Management Review

As a highly accredited and experienced debt management company, you might expect a review to be nothing but positive. But as always, we're going to focus on the negative as well and see if the positives are strong enough to offset them.

Take a look at our Family Credit Management review below.

The Good

  • Free consultations with a certified debt counselor
  • Heaps of positive reviews

Free Consultation

Family Credit offers a free 10-minute consultation to all potential clients, helping to guide them through the initial obstacles and to find the best solution to their problems. They also offer a money back guarantee, which can help to ease any concerns and answer any questions that the customer may have.

Whats more, they are operating nationwide with a license to help customers in all 50 states, so you can give them a call wherever you are in the United States knowing that they will be able to assist you. This is worth doing even if you do not wish to follow through with their services. If nothing else, this can be considered a freebie phone call with an expert who is happy to help.

Family Credit Management Reviews

Positive Reviews

There are a wealth of positive customer reviews out there that show how helpful and courteous the staff is at Family Credit is. There are numerous accounts of clients praising the company for their support with their debts without further damaging their credit scores.

They do a very good job when it comes to understanding the customer's needs and even when it comes to resolving complaints and other issues, and this is commendable. They also allow for customers to choose a due date for monthly payments so that they can arrange outgoings around a time when they will have money or even a time when they have other major payments leaving their account. They also allow for payments to be cut into 2 monthly installments, which can make life a little easier for their customers. After all, those customers are in debt and struggling, so there will always be a need for something like this.

The Bad

Our researchers had to look long and hard to find something worth complaining about with Family Credit Management. There wasn't a great deal wrong, and they had nothing but praise for them, but still, there are a couple issues here that need to be noted and we have discussed these below.

  • There is no AICCCA accreditation
  • There is no NFCC accreditation

Lack of Accreditation

One of the issues we have with this company, and perhaps the only issue, is the accreditations. They have some accreditations, and these are worth pointing out, but they are not certified by the AICCCA or NFCC. These accreditations usually indicate that the company is doing all that it can to follow the best industry practices. A lack of them doesn't mean that a company is not legitimate, not by any stretch of the imagination, but it would provide a little more peace of mind if they had them.

The Bottom Line

Our team of reviewers was impressed with Family Credit Management. They do not carry all of the accreditations we would like to see, and that is a shame, but they do have a solid track record, a fantastic reputation, and customer-friendly services. In all, past clients have nothing but good things to say about them, their support team, and the level of service that they provide. As a result, we recommend Family Credit Management to anybody struggling to take a hold of their debt situation.

If you would like try your hand at some other “family” orientated debt management companies, take a look at our reviews for Christian Debt Counselors and Christian Credit Counseling. You may also benefit from reading our guide to the average household debt in the United States.

There is a lot of helpful information on DebtReviews and there is also a team of professionals waiting to help on Family Credit Management. Use these to your advantage, take all the information that you can get here and via their free consultation, and then see if you can progress towards a debt free future.