Debt Management - Lowering Interest Rates and Consolidating Payments

Debt Relief Tools

HOW A DEBT MANAGEMENT PROGRAM CAN HELP

Why lose another night’s sleep? Why dread answering the phone? Why walk around with that sick feeling in the pit of your stomach? Putting it off only makes it worse.

How can Bright Credit help you?

You don’t have to go it alone. You will be assigned to a trained debt counselor who will review your financial situation, and design a simple, affordable repayment program just for you.

No more nasty phone calls. No more ugly fights about money. We will consolidate most of your unsecured debts into one convenient payment each month and you will be debt-free faster than you ever thought possible.

Our program negotiates with creditors to create the ideal repayment plan for you. We assess each client's financial situation and tailor a program that satisfies the client's needs. Our debt management program provides you with the following benefits:

Consolidation of most of your unsecured obligations into one low monthly payment
Significantly lower your interest rates (sometimes down to 0%)
Save your credit
Get you out of debt much faster

You will be assigned to your own personal debt counselor. Your counselor will review your debts and financial situation and tailor a program that satisfies your individual needs. Our agency has thousands of clients across the country, and has existing relationships with all major creditors and lending institutions. Our agency’s experience in dealing with creditors is unequaled in the industry, this allows us to obtain dramatic interest rate deductions and other favorable terms for our clients. You can get out of debt sooner and begin building financial security.

This is all done without the need for taking out a loan, since this is not a loan our debt management program does not require you to put up collateral, such as a house. We accept most unsecured debt, such as credit card bills, and personal loans.

With our specially designed program, you can save monthly by reducing your interest rates and lowering your monthly payments. By significantly reducing the interest, you will drastically cut your pay off time from 15-20 years or more, down to 3-5 years. This will result in saving you thousands of hard earned dollars in finance charges.

Our debt management program is a "win-win" situation for the consumer, and is one of the recommended ways of effectively dealing with excessive consumer debt. We can save you up to 50% on a monthly basis and thousands of dollars over the life of our program.

If you have a number of debts that total over $20,000 that are current, late, or have high interest, please come talk to us and see if you qualify for our debt management program. You can end the stress of being in debt, fielding aggressive creditor calls and get your finances back on track. Our consultations are free, informative and you have no obligation to use our service.

Call us now at 1-800-699-9740 and have your credit card statements with you.
Or submit the form below for a free debt relief analysis from a debt relief specialist. This service is free and you are under no obligation.

Not sure what kind of help is right for you? Let us give you a free consultation. We will evaluate your situation and give you recommendations, all for free and with no obligation. Call now 1-800-699-9740 or fill out the form below.
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Total Credit Card Debt:		# of credit cards you are current on:
# of credit cards you are late on:		On the late cards how late are you:
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Debt Relief Solutions

Testimonials

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Testimonials:

"This is a great program! You consolidated my 3 credit cards payments to one, reduced my interest rates from 18% to 8%, and saved me around $95,000 in finance charges. Oh yeah I got out of debt 20 years sooner. Thank you so much!"

--D.C. Worcester, MA

"Awesome! You saved me $259.00 every month and now I only have one payment."

--D.E. Salt Lake City, UT

"Thank you for saving my credit while reducing my interest rates by over two thirds."

--J.M. Detroit, MI

"Finally I can sleep at night, no more creditors calling!"

--J.S. San Diego, CA

Debt Management - Debt Settlement - Credit Improvement - Loan Modification

Improve your credit reports and credit scores with our Credit Improvement program. We offer innovative debt relief solutions for consumers struggling with large debt burdens. At Bright Credit, we can help you achieve the highest credit score possible. We strive to help our consumers out of a variety of debt and credit situations to improve their financial standing. We provide the best solutions to the consumers with serious debt problems. Learn more about our Debt Management, Debt Settlement, Loan Modification & Credit Improvement Services and discover how these services can help you save lots of money.

Debt Management

Our Debt Management program can help you manage your existing debts, figure out how long your credit card balances will last and how quickly you can pay down your debt. Debt Management is one of your best tools to fight your growing problem. Our program is beneficial to those who have borrowed a huge sum from their creditors, have high interest rates, and are facing difficulty in repayment.

Debt Settlement

Debt Settlement is a fast, easy and effective way to eliminate your debts. Debt Settlement is increasingly being adopted as a popular means to get out of credit card debt. Debt Settlement is also known as Debt Arbitration or Debt Negotiation, it is an aggressive approach to debt reduction which may be appropriate for debtors with substantial debts and who are considering bankruptcy. Debt Settlement is always to great option. Debt Settlement is more popular now then ever before.

Credit Improvement

Are you stuck in credit card debt? Do you ever wonder if there are steps that you can take to repair your credit? Credit Improvement is especially meant for those people who have credit woes like late payments, collection accounts, and other negative items on their credit report. At Bright Credit, we help consumers get out of debt, improve their credit, & become financially free. Our Credit Improvement Program helps you achieve the highest credit score possible.

Loan Modification

Loan modification agreements come in different forms but quite frequently they involve the reduction of mortgage's interest rate for a specified period of time so the homeowner can continue to make payments and stay in the home. Loans can also be modified so they have a longer amortization term (e.g. 40 year instead of 30 year) which will cause the payments to decrease. Principal writedowns are rare, but they do indeed happen where the bank actually writes down some of the principal amount. See how Bright Credit can help your Mortgage with a Loan Modification today!

Bright Credit Certifications

ICFE Certified In Identity Theft

ICFE Certified in Credit Report Analysis

Find all the Debt Relief information you need at Bright Credit. Our debt relief services include Credit Card Debt Settlement, Debt Settlement, Debt Negotiation & Loan Modification. We help you get out of debt, improve your credit & become financially free.