Family Credit Management vs National Debt Relief

McCall Martin
McCall Martin | Senior Editor
Family Credit Management and National Debt Relief are very different companies. National Debt Relief specializes in debt settlement services while Family Credit Management offers debt management programs.

Both companies have good accreditations and certifications, so it comes down to how you want to handle your debt.
Family Credit Management logo
#28 Family Credit Management
4.9 Overall Score
3.9
star star star star star_border
(11)
National Debt Relief logo
#3 National Debt Relief
8.0 Overall Score
4.7
star star star star star_half
(2,412)

Overview

Family Credit Management

Lowest Cost

Undisclosed

Minimum Debt Requirement

Undisclosed

Services Offered

Debt Management Plans, Free Consultation

Accreditations

ISO

Is Nonprofit

No

Time in Business

28 Years

National Debt Relief

N/A

$7,500

Free Consultation, Debt Settlement

AFCC

No

15 Years

Ratings

Family Credit Management

Overall Score
4.9 of 10
Review Score
3.9
star star star star star_border
Value for Money
4.3
star star star star star_half
Quality of Product or Service
4.3
star star star star star_half
Company Trustworthiness
4.4
star star star star star_half
Likely to Recommend
7.4 of 10

National Debt Relief

8.0 of 10
4.7
star star star star star_half
4.5
star star star star star_half
4.5
star star star star star_half
4.6
star star star star star_half
8.9 of 10

Reviews

Family Credit Management

Number of Reviews
11
Review Breakdown
3.9
star star star star star_border
1 star
27%
2 star
0%
3 star
0%
4 star
0%
5 star
73%

National Debt Relief

2,412
4.7
star star star star star_half
1 star
4%
2 star
2%
3 star
4%
4 star
11%
5 star
79%

Reviews for Family Credit Management

Helpful Favorable Review

star star star star star

Waldinda Belt

December 6th, 2019

DETAILS

Thank you Family Credit for working with me and on my behalf to financial freedom. Since taking over my debts, my credit score went up 230 points. Instead of beging companies to give me a chance, I now have options and am able to say no. Thank you so much. Dina

Helpful Critical Review

star star_border star_border star_border star_border

David Yedlin Broom

August 25th, 2022

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

star star star star star

Harry Kong

July 8th, 2024

National Debt Relief is very responsive when you have any question regarding the program, at the beginning you have to wait until you reached milestone before any negotiation can begin. But once you reached milestone, settlements begin very promptly!

Helpful Critical Review

star star_border star_border star_border star_border

Megan Romano

June 19th, 2024

Run! Horrible they will be greedy and take their fees first instead of giving the biggest amount the the creditors. I would not recommend them at all you are better off settling with your creditors and saving your self thousand in fees and if you opt out they won’t give you your money back.

The Final Word

Family Credit Management is licensed in all the states in which it operates. It is also 9001 certified, which means that its staff members are highly trained and qualified to ensure clients receive excellent services.

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.

Top Choice

National Debt Relief Logo
National Debt Relief

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