JL
Honest Company - Zero Regrets
It has been a breeze and truly easy to correspond with this company. You simply cannot get better help for questions, concerns or feedback. To date (approximately 9 months into the program), all correspondence has been done via email. No phone calls. No endless transfers or wait times. Your mileage may vary, but everything has worked fine via email. Virtually all questions are responded to in less than 48 hours, sometimes same day. The process was simple - I went to the website. I submitted the requested info (account numbers, statements, etc) and they provided a list of creditors (my accounts) they could enroll. If there are any issues enrolling accounts, they tell you what to do. In some cases, turn off auto-pay, in another, remove optional insurance, etc. Some accounts see payments transferred to FCM immediately, others will take an FCM payment but still require out of pocket payments until the plan is fully implemented. They give the directions to monitor your accounts, and I suggest doing the same - I had to pay a couple of accounts for two or three months until everything evened out. The good news is, FCM makes payment in the meantime, and those count towards your monthly payment until the plan is implemented. Soif you owe a $100 payment on a card, the negotiated payment is $50 and FCM makes that payment, you only have to cover the $50, not the whole $100. After a payment or two, your account statement should reflect the negotiated amount as the amount due, and that amount is fully covered by your FCM payment. I made the decision to consolidate 9 accounts with Family Credit Management, and it’s been a great choice.
Response from Family Credit ManagementFeb 22, 2026
Thank you so much for taking the time to share such a detailed review. It really means a lot. We’re so glad the process has felt like a breeze and that communicating by email has worked so smoothly for you. Not having to deal with phone calls, transfers, or long wait times can make a big difference. Hearing that your questions are answered quickly and clearly is exactly what we hope for. We also appreciate you explaining how the enrollment process worked and how payments transition as accounts are brought into the plan. That kind of transparency is important. For more than 30 years, we’ve worked directly with creditors to build each nonprofit debt management plan in a structured, step by step way, and your description captures that process really well. Monitoring accounts during the early stages is always wise, and we’re glad everything evened out just as it should. The fact that you chose to consolidate nine accounts with us and feel it’s been a great choice truly means a lot. We’re grateful you trusted us and honored to be part of your journey toward becoming debt free.