Exhibit 32.2



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


     I, Alan Joseph, Chief Financial 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/  Alan Joseph
                                          ----------------------------------
                                              Name: Alan Joseph
                                             Title: Chief Financial 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.