I would not recommend Family
I would not recommend Family credit to anyone before you do your homework and check out your other options. They wrecked my credit and did not deliver what they promised. They did NOT reduce my payment, in fact my payments were increased after they stopped payments to my creditors which in turn wrecked the credit rating. I could have continued making my own payments thus avoiding the $35/mo you pay to them on top of your payment. The only thing they did for me was to negotiate with my creditors to eliminate some penalties fees. I could have done this for myself.