Question 1

What is Family First Mutual?

Accepted Answer

Family First Mutual is a consumer-focused guidance company. We help American families understand their financial options and, when appropriate, connect them with independent legal and financial professionals. We are not a law firm, lender, or debt settlement company, and we do not provide legal, tax, or investment advice.

Question 2

How much does it cost?

Accepted Answer

The consultation is free and carries no obligation. If you choose to move forward with an independent attorney or lending partner, that provider will disclose their own fees and terms to you in writing before you agree to anything. Costs vary by provider, program, and state.

Question 3

Will this affect my credit?

Accepted Answer

It can. Programs that involve missed or reduced payments to creditors, new credit applications, or account closures may affect your credit profile. The impact depends on your current accounts and the path you choose. Any provider you work with should explain the likely credit implications before you enroll.

Question 4

Is this debt settlement?

Accepted Answer

Legal debt resolution is not the same as traditional debt settlement. It involves independent attorneys who review your accounts, evaluate creditor and collector compliance with consumer-protection law, and negotiate on your behalf where appropriate. Which approach, if any, fits your situation depends on your circumstances.

Question 5

How do I know if I qualify?

Accepted Answer

General guidelines include roughly $6,000 or more in eligible unsecured debt and the ability to make monthly payments of at least $250. Eligibility also depends on the types of accounts you hold, your state, and provider criteria. Not everyone who applies will qualify, and the only way to know is a conversation.

Question 6

What debts qualify?

Accepted Answer

Generally unsecured balances: credit cards, medical bills, personal loans, store cards, collection accounts, installment loans, payday loans, lines of credit, and charge-offs. Secured debts such as mortgages and auto loans, along with most student loans, taxes, and child support, typically do not qualify.

Question 7

What if I've filed bankruptcy?

Accepted Answer

A prior bankruptcy does not automatically disqualify you. What matters is your current situation: which debts remain, when the filing occurred, and what you're trying to accomplish now. Bring it up during your consultation so options can be evaluated accurately.

Question 8

How long does the process take?

Accepted Answer

It varies considerably. Some families see accounts addressed within months; others take several years. Timelines depend on the amount of eligible debt, your monthly contribution, creditor behavior, and your ability to stay with the program. No specific timeline can be promised in advance.

Question 9

Is my information secure?

Accepted Answer

Yes. Information you share is treated as confidential, transmitted over an encrypted connection, and shared only with the professionals reviewing your situation. We do not sell your personal information. See our Privacy Policy for full details.

Question 10

What happens after I submit my information?

Accepted Answer

A specialist reviews what you've shared and reaches out to schedule your free consultation. You'll be asked a few questions about your accounts and goals, you'll hear which options may apply, and then you decide what happens next. There is no obligation at any point.

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