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Debt does not
mean defeat.

Budget and Credit Counseling

Budget Resources

Spending Percentage Guideline

Envelope Method

Tracking Method

Managing your periodic expenses

4 Step Budget

Power Payments!

FTC - Credit Report Information

FTC - Credit Repair-How to Help Yourself

FTC - How to Dispute Errors on your Credit Report

Federal Reserve -Credit Report Information


Debt Management Resources

How does a debt management program affect my credit?

How is a debt management program different from debt settlement?

For people looking for debt help, there are many options they may find when searching. Debt management programs like ones offered by FamilyMeans are common, as are debt settlement programs from settlement companies. But they can vary greatly. Click the link above to find out how.

What are the benefits of a debt management program (DMP)?

How can a debt management program help you repair your credit? Learn the benefits a FamilyMeans debt management program can offer to help you today, including helping reducing costs, lower calls from collectors, build credit, and much more.

What are my payment options for a debt management program (DMP)?

We accept money orders and/or cashier's checks, we offer free recurring automatic withdrawls, and customer-initiated electronic payments. Your counselor will help you choose the best method for you. 

Power Payments!

FamilyMeans is a nonprofit agency inspiring trust, clarity, confidence and hope since 1963