Overview
Family Credit Management
Undisclosed
Undisclosed
Debt Management Plans, Free Consultation
ISO
No
30 Years
National Debt Relief
N/A
$7,500
Free Consultation, Debt Settlement
AFCC
No
17 Years
Ratings
Family Credit Management
National Debt Relief
Reviews
Family Credit Management
Reviews
National Debt Relief
Reviews for Family Credit Management
Helpful Favorable Review
Matthew Blish
May 15th, 2026
Budd, Illinois
DETAILS
I worked with them on debt consolidation and they did everythign they said they would. Got my interest rates all down to like 4% on average and got my payment lower too. Really solid people and no pressure at all.
Helpful Critical Review
David Yedlin Broom
August 25th, 2022
El Paso, TX
DETAILS
I had services with this company for several years. Recently I set up a consolidation plan with them. They took out the money for several months. I prompted them to follow the debt consolidation plan several times. They blundered over $800 into accounts in a complete disregard for my consolidation plan. All I got was a sorry and an explanation that they couldn't understand my consolidation plan from the notes. The staff lacks competency and can't handle a complicated consolidation plan. Don't waste your money or time with this company.
Reviews for National Debt Relief
Helpful Favorable Review
Carletta Nell Frazier
May 29th, 2026
Justin, Texas
I was not informed that they make ask more funds to accept a offer. I am on a 5 yr program and I accepted a offer, which payments start in June. I have be paying $582 a month since January. I was informed another offer was made by one of my other cards but I either had to deny or and more funds. Which makes the card company think I didn't like the offer, which was not true. I believe this will hurt my next offer from them.
Helpful Critical Review
Donna Winters
May 17th, 2026
Dallas, Texas
DETAILS
Review Source
This is the second time something that should have been included initially was not. I have not called back for them to include it yet because I’m mad. I am satisfied with the recent settlement however
The Final Word
Because Family Credit Management helps clients with debt management plans, it does not have a minimum debt requirement. When clients enroll in its program, they pay a one-time enrollment fee and a monthly fee. The average enrollment fee is $40. The average monthly fee is $30.
Family Credit Management negotiates to lower interest rates, which will make it easier to pay down your debt. Depending on their plan’s structure, clients make one or two monthly payments which Family Credit Management then disburses to creditors.
Debt management plans are advantageous because they do not hurt your credit score and lower interest rates make debts easier to pay off.
In contrast, National Debt Relief offers debt settlement programs. With a debt settlement program, clients generally stop making any payments on their debts. Instead, they set this money aside in an account to be used to pay settlements once they’re negotiated.
National Debt Relief charges 18–25 percent of the enrolled debt, depending on state laws. Payment is not due until settlements are reached. National Debt Relief has a $7,500 minimum debt requirement.
Because debt settlement clients typically stop making any payments on their debts, their credit score is negatively affected. Having a plan to rebuild credit before enrolling in debt settlement is important.
National Debt Relief is a trusted debt settlement company. It is a member of the AFCC and is IAPDA accredited. These memberships and accreditations show that National Debt Relief is dedicated to offering clients high quality services.
National Debt Relief also sends referrals for debt consolidation if that’s a better fit for a potential client. The company understands that debt settlement has risks and is not for everyone. These referrals further show National Debt Relief’s commitment to ensuring that its clients receive the kind of debt relief that best fits their situation.
