Family Credit ManagementReviews of familycredit.org

Response from Family Credit ManagementAug 25, 2026

We understand this can all be stressful, especially during the initial setup period. Your plan is progressing normally, with several creditors already approved and the remaining accounts in process. We requested additional information from you to continue setting up the plan, and we received it today, so we can now move those items forward. Some creditors respond very quickly, while others can take several weeks. There is never a need to make a full payment to both Family Credit and your creditor. While your account is still being set up, you may need to pay the difference between your regular payment and the reduced payment we are sending until the new terms are accepted. You can see exactly which payments are pending, which have been sent, and the payment dates through our client portal. We’re always happy to review your accounts with you, so please reach out anytime you have a question or would like an update.

Response from Family Credit ManagementFeb 27, 2026

We’d like to clarify what may have happened here. If a payment is returned by the bank due to insufficient funds, the creditor does not receive that payment, which will cause the account to show past due. When that occurs, we reach out right away by every method available, email, text, and phone, so it can be resolved quickly and your benefits can be protected. We have received two emails from you asking why one of your accounts was not paid. We responded to both and asked that you contact us to discuss making up the missed payment. We have also sent multiple texts and attempted to reach you, but we have not yet received a response. We will continue trying to reach you, but it’s important to know that when a payment is missed, creditors will also begin contacting you directly. Our goal is to help prevent that and keep your plan on track. We are hoping you see this and reach out to let us know what’s going on. Please contact our Client Services team at 877-322-8330 or email [email protected] so we can review your account together and work toward a resolution. We are here and ready to help, but we need for you to talk with us and work together to create a payment plan.

Response from Family Credit ManagementFeb 17, 2026

Here is what appears to have happened. One of your creditors reported late payments at the very start of the program. Most creditors do not report a late payment to the credit bureaus until a full billing cycle has passed without receiving a payment. In situations like this, it typically occurs if a payment was not made directly to the creditor prior to your first payment to us and the account was therefore already in a past-due status when the program began. Once an account becomes past due, it can continue to reflect that status until it is brought current under the creditor’s re-aging policy even with payments made each month on time as that missing payment from prior to us is not made. Each creditor has its own policy regarding when and how accounts are re-aged for clients on a debt management plan. In this case, the creditor updates the account after a set number of consecutive program payments, which is why it was later brought current. I also verified that each payment we received from you was sent electronically shortly after receipt and posted promptly by the creditor. If you would like to review the specific timeline in more detail, we are happy to do that with you directly.

Response from Family Credit ManagementFeb 17, 2026

I believe I can put your mind at ease, as this is something that can occasionally cause confusion. Clients make payments to us monthly, twice monthly, and sometimes weekly. We typically disburse funds to creditors approximately four days later. In some cases, creditors adjust due dates for accounts on our program, and in other cases, clients provide us with specific due dates so we can align disbursements. However, many accounts remain on their original due date, and our payment may post a few days after that date. When this happens, the creditor’s system may automatically generate a late notice. This does not result in late fees and is not reported to the credit bureaus, so we do not treat it as a delinquency. To ensure accuracy, I reviewed your credit report today, and all accounts are reporting as current with no missed payments showing. If these notices are causing concern, please contact Client Services and let us know the specific creditor sending the notice and the due date listed on the account. We are happy to review the timing and look into whether adjustments can be made.

Response from Family Credit ManagementJan 15, 2026

Thank you for your review. We’re really sorry to hear you’re feeling discouraged and want to make sure everything about your plan is clear and working the way it should. You joined the program about four months ago and your current plan is scheduled to run for 41 months. Right now, your payments are going toward a single low-interest account, and our fee is only $4 per month. The rest is applied directly to your creditor. We completely understand how anxious everyone is to be paid off quickly, and while progress can feel slow in the beginning, you are making steady headway and are right on track. If you are ever in a position to pay extra, those funds would go entirely to your creditor and help shorten your payoff timeline.

Response from Family Credit ManagementDec 15, 2025

We understand that pay schedules can vary, and we want to make things as easy as possible. If your payment date ever needs to be adjusted, just let us know 2–3 business days in advance, we’re happy to move your ACH withdrawal to match your payday. We do this every day for clients. We also offer email and text reminders if that would be helpful. Feel free to reach out anytime at www.familycredit.org/contact-us and we’ll get it set up.