Exhibit 32.1

                      Chief Executive Officer Certification

      In connection with Franklin Credit Management Corporation's (the
"Company") quarterly report on Form 10-Q for the three months ending June 30,
2005, as filed with the Securities and Exchange Commission on the date hereof
(the "Report"), the undersigned Chief Executive Officer of the Company, hereby
certifies pursuant to 18 U.S.C. ss. 1350, as adopted pursuant to Section 906 of
the Sarbanes-Oxley Act of 2002, that:

(1)   The Report fully complies with the requirements of Section 13(a) or 15(d)
      of the Securities Exchange Act of 1934; and

(2)   The information contained in the Report fairly presents, in all material
      respects, the financial condition and result of operations of the Company.

Date:  August 15, 2005      /s/ Jeffrey R. Johnson
                            -----------------------------------------
                            Name:  Jeffrey R. Johnson
                            Title: Chief Executive Officer

The foregoing certification is being furnished solely pursuant to 18 U.S.C. ss.
1350 and is not being filed as part of the Report or as a separate disclosure
document.