What are your options?

No two financial situations are the same – we each have different wants, needs, and goals.


Approximately 50% of Americans don’t pay off their credit card balances every month. Half of credit holders are paying interest to banks. 70% of people spend more than they make and 76% are living paycheck to paycheck. If you’re making minimum payments on your credit cards, it could take you 20 years or more to get out of debt. You could end up paying back 2-3 times your principal balance.

Credit Counseling

Credit Counseling and Debt Management are an effective way to get out of debt if you can continue making minimum payments, have high interest rates (over 15%), and are fewer than 6 months behind on payments. If you have $3,000 of credit card debt or more and would like to consolidate all of your unsecured payments into one low monthly payment every month, then a Credit Counseling Plan might be best suited for you. Most people can get out of debt in 4-5 years and pay around 9% interest depending on your creditors.

Debt Settlement & Negotiation

Most creditors will settle an account for around 40-50% of what you owe. This is the cheapest and fastest way to get out of debt without filing a Chapter 7 Bankruptcy. If you owe more than $10,000 in credit card debt, personal loans, medical bills, private student loans, or have had your car repossessed, and you can afford around half of what you’re currently paying, then this option might be best suited for you.


There are over 500,000 bankruptcies each year. Most people use bankruptcy as a last resort. A bankruptcy is a matter of public record and can follow you for the rest of your life. Call us first before you file for Bankruptcy to learn about other debt relief strategies.

Credit Repair

Bright Credit works closely with our clients to ensure credit report accuracy and to fix past credit mistakes, while ensuring careful financial decision making going forward. We want you to know your rights and be armed with all the information you need. You have a legal right to accuracy, fairness, and substantiation from your credit report. We’ll help you communicate with the major credit bureaus to make sure that your credit score is accurate and you’re getting the best possible interest rates.

Business Credit

Small Business Financing made simple-Get the working capital you need to start or grow your business the smarter way. Get $130,000-300,000 plus of business and vendor credit in zero percent credit cards, business lines of credit, or business loans. If you’re an entrepreneur, real estate investor, startup, small business owner, or anyone else looking for business credit, then you’ve come to the right place.

Bright Credit offers a free, honest consultation to discuss your options.

Our team of experts have over 25 years of experience, and have helped thousands of consumers and businesses get free of debt including private student loans, medical bills, unsecured personal loans, credit card debt, and more.

We’re consumer advocates offering a free, confidential consultation to provide answers to any debt, private student loan, credit repair, business credit, or employee retention credit questions you may have.