Exhibit 32.2
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                      Chief Financial Officer Certification


      In  connection  with  Franklin  Credit   Management   Corporation's   (the
"Company")  quarterly  report on Form 10-Q for the three months ending September
30,  2005,  as filed with the  Securities  and Exchange  Commission  on the date
hereof (the "Report"),  the undersigned  Chief Financial 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:  November 14, 2005                   /s/     Paul Colasono
                                           ------------------------------
                                           Name:   Paul Colasono
                                           Title:  Chief Financial 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.