Exhibit 32.1



                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTIONS 1350
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

     I, Seth Cohen, Chief Executive Officer of Franklin Credit Management (the
     "Company") certify, pursuant to 18 U.S.C. Section 1350, as adopted
     pursuant to Section 906 of the  Sarbanes-Oxley  Act of 2002, that the
     Quarterly  Report of the Company on Form 10-Q for the fiscal quarter ended
     March 31, 2004 fully complies with the  requirements  of Section 13(a) or
     15(d) of the Securities  Exchange Act of 1934, as amended, and that
     information  contained  in the  Quarterly  Report on Form 10-Q fairly
     presents in all material respects the financial condition and results of
     operations of the Company.

   Date:  May 14, 2004

                                        BY:         /S/ Seth Cohen
                                           ------------------------------------
                                                  Name: Seth Cohen
                                                 Title: Chief Executive Officer



     The foregoing certification is being furnished solely pursuant to Section
     906 of the Sarbanes-Oxley Act of 2002 (18 U.S.C. 1350) and is not being
     filed as part of the Form 10-Q or as a separate disclosure document.


     A signed original of this written  statement required by Section 906 has
     been provided to Franklin Credit  Management  Corporation and will be
     retained by Franklin Credit Management Corporation and furnished to the
     Securities  and Exchange Commission or its staff upon request.