Business Details
30 Years
experience
Your Trusted Debt Management Partner
Family Credit Counseling Service has been empowering individuals to regain control of their financial futures since 1996. As a non-profit credit counseling agency, we have successfully helped over 100,000 people navigate debt challenges through personalized debt management plans and expert financial guidance. Our team of certified credit counselors brings decades of combined experience to every client interaction, working directly with creditors to reduce interest rates, eliminate fees, and consolidate payments into manageable monthly amounts. We maintain ISO 9001:2015 certification and hold active licenses in all 50 states, ensuring adherence to the highest industry standards.Our commitment to client privacy and ethical practices has earned us recognition from major news outlets and financial institutions nationwide. With a proven track record of success, we provide tailored financial education and housing counseling services to support long-term financial stability. Our comprehensive approach combines compassionate support with practical solutions, helping clients achieve debt-free living through structured payment plans and ongoing financial guidance.
Services
Debt Management Program
Credit Counseling
Debt Consolidation
Budget Counseling
Financial Education Courses
Details
- Year established: 1996
Highlights and features
- We have over 20 years of experience in debt management
- Our team consists of certified credit counselors
- We work with creditors to reduce fees and interest rates
- We offer a non-profit, client-focused approach
- We provide 24/7 online account access for clients
Associations and certifications
- ISO 9001:2015
What people say
Worry-free experience
Direct payment system
Immediate interest rate reduction
Quick customer support
Life-changing results
Services
Debt Management Program
Our Debt Management Program helps clients consolidate multiple unsecured debts into one affordable monthly payment. Certified counselors negotiate with creditors to reduce interest rates and eliminate late fees while protecting clients from collection calls. This structured program provides personalized financial roadmaps that typically reduce debt repayment timelines by 30-50% compared to minimum payment approaches.
Credit Counseling
Personalized credit counseling sessions help clients understand their financial situation and explore debt relief options. Certified counselors review income, expenses, and debt obligations to create customized action plans that address immediate concerns while building long-term financial literacy through educational resources and budgeting tools.
Budget Counseling
Our budget counseling service teaches practical money management skills through one-on-one sessions with financial experts. Clients learn to create sustainable budgets, track spending habits, and develop emergency savings strategies that prevent future debt cycles while maintaining access to ongoing support through online resources and follow-up consultations.
People
Michael McAuliffe
President
With over 25 years in credit counseling, Michael leads our team in developing effective debt solutions while maintaining strict compliance with state and federal regulations as President since 1996.
Sarabeth
Senior Vice President
As Senior Vice President since 2004, Sarabeth oversees daily operations and client services, bringing extensive experience in financial education and debt management program implementation to support client success.
Elizabeth Schomburg
Chief Financial Officer
Elizabeth has managed financial operations since 2001, ensuring transparent handling of client funds and maintaining our ISO 9001 certification through rigorous internal controls and daily trust fund reconciliations.
Patrick
Legal Compliance Coordinator
Patrick, certified as both a credit counselor and compliance specialist since 2005, ensures adherence to all state licensing requirements and conducts regular internal audits to maintain our industry-leading compliance standards.
Questions
What debt types qualify for your program?
Our program works with credit card debt, medical bills, personal loans, and collection accounts. We cannot assist with secured debts like mortgages or auto loans.
How does debt management affect credit scores?
While initial account closures may temporarily impact scores, our program typically improves creditworthiness over time through consistent on-time payments and reduced debt balances.
Are there enrollment fees?
We charge a one-time setup fee and monthly service fees based on your debt amount, always disclosed upfront during your free consultation with a certified counselor.
Can I use credit cards during the program?
Clients must stop using credit cards while enrolled, but we provide financial education to help build healthy spending habits that support long-term debt-free living.
How long does the program take?
Most clients complete our program in 3-5 years, with many seeing significant debt reduction within the first 12-18 months through our creditor negotiation strategies.
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