Considering Lighthouse Finance Solutions for debt relief? They're BBB A+ Accredited, AFCC and ACDR member, and operate as a direct debt settlement company in Plantation, FL. Before signing with any provider, the tool below shows what your debt looks like across four different paths so you can see where settlement fits relative to the alternatives. Then: Lighthouse's BBB record, real customer review patterns, and how it compares to other providers.
Disclosure: CuraDebt is compensated by partner companies and is not affiliated with Lighthouse Finance Solutions. Educational content, not legal, tax, or financial advice. Individual results vary.
What does each path actually cost? Enter your debt to compare 4 options side-by-side.
Educational ranges only. Not quotes or predictions for any specific provider. Sources: FTC, Federal Reserve, Bankrate, debt.org. Actual costs depend on provider, state fee caps, creditor mix, and individual underwriting. Debt settlement will likely adversely affect credit and may result in collection activity or lawsuits. Forgiven debt may be taxable. Bankruptcy has significant credit and legal consequences. Individual results vary. CuraDebt is a debt relief referral company that receives compensation from partner companies; not affiliated with Lighthouse Finance Solutions. Educational only; not legal, tax, or financial advice.
The most common question about Lighthouse Finance Solutions is "how does it compare to other debt relief options?" This table shows the actual data for Lighthouse vs. CuraDebt (matching model, 25 years), Beyond Finance (large direct provider), and National Debt Relief (large direct provider). Sourced from each company's BBB profile, Trustpilot, Google, and published information as of May 2026.
Click any criterion below to highlight that row. All four are BBB A+ Accredited; the right fit depends on the specific criteria that matter to your situation.
| Criteria | Lighthouse Finance Solutions | CuraDebt | Beyond Finance | National Debt Relief |
|---|---|---|---|---|
| Founded / Years In Business | 2017 (~8 years) | 2001 (25 years) | 2011 (15 years) | 2009 (17 years) |
| Headquarters | Plantation, FL (2nd office Coral Springs, FL) | Hollywood, FL | San Diego, CA (also Chicago, Houston) | New York, NY |
| BBB Rating | A+ Accredited (since Oct 2025) | A+ Rated, BBB Accredited | A+ Accredited | A+ Accredited |
| Service Model | Direct provider (in-house settlement team) | Matching / referral (connects to partner) | Direct provider (team-based management) | Direct provider (dedicated specialist) |
| Services Offered | Debt settlement only | Debt settlement (via partner), tax relief, business debt | Debt settlement | Debt settlement + consolidation loans |
| Industry Accreditations | BBB, AFCC, ACDR | BBB, ACDR | BBB, AFCC, Consumer Debt Relief Initiative | BBB, AFCC |
| Fees Charged To Consumer | Performance-based (quoted in consultation; varies by state) | Quoted in free consultation | 15-25% of enrolled debt | 15-25% of enrolled debt |
| Upfront Fees | None (FTC compliant) | None for debt settlement | None (FTC compliant) | None (FTC compliant) |
| Minimum Debt | Quoted in consultation (typical industry minimum applies) | Quoted in free consultation | $10,000 | $7,500 |
| States Available | Not available in all states (per company disclaimer) | Most states (via partner network) | 29 + DC | 47 + DC |
| Typical Program Length | 24-48 months (per company disclaimer) | 24-48 months (via partner) | 24-48 months | 24-48 months |
| Estimated Total Payoff | ~70-80% of enrolled debt (including fees, per company disclaimer) | Quoted in free consultation | Varies by case | Varies by case |
| Operating Track Record | ~8 years; ~10-50 employees | 25 years industry expertise | $3+ billion resolved; 1M+ clients | $1+ billion resolved; 550K+ clients |
| State Registration Example | CA DFPI: 01-CCFPL-1862108-3419701 | Operates per state through partner network | State-licensed where required | State-licensed where required |
| Free Consultation | Yes (1-844-326-3396) | Yes (1-877-850-3328) | Yes | Yes |
| Year Founded | ~2017 (trademark filed Jul 2024) | 2001 | 2011 | 2009 |
All four are BBB A+ Accredited legitimate options. None is universally best; the right fit depends on individual circumstances. The most actionable next step is getting 2-3 free consultations and comparing the specific program structure and fees offered to your situation.
Industry-typical example on $30,000 of enrolled debt (50% settlement of enrolled debt plus 25% fees on enrolled debt - standard textbook example, not specific to any one provider):
| Settlement payments (50% of $30,000) | $15,000 |
| Fees (25% of enrolled debt) | $7,500 |
| Estimated total program cost | $22,500 |
Compare to paying credit card minimums on $30,000 at 22% APR (Federal Reserve average) and 2% monthly minimums: approximately $72,000+ over ~28 years. Actual costs vary by provider, state fee caps, creditor mix, and individual underwriting. Lighthouse Finance Solutions' own disclaimer states 70-80% of enrolled debt total for clients who complete the program. Individual results vary; this is a planning baseline only, not a quote or prediction.
Comparison data sourced from each company's BBB profile, Trustpilot, Google reviews, Crunchbase, ZoomInfo, ConsumerAffairs, Bankrate, and published company information as of May 2026. State availability and fees can change; verify current details with each provider directly. CuraDebt receives compensation from partner companies. CuraDebt is not affiliated with Lighthouse Finance Solutions, Beyond Finance, or National Debt Relief. Mention of these companies does not constitute endorsement or affiliation. Individual results vary; not a guarantee or prediction of any specific outcome. Educational only; not legal, tax, or financial advice.
The table above shows the published comparison. A free CuraDebt consultation evaluates your specific debt, income, state, and goals against multiple options in the partner network. No obligation, no upfront fees.
BBB A+ Rated · BBB Accredited · In Business Since 2001 · 1,600+ Five-Star Reviews · Material connection: CuraDebt receives compensation from partner companies. Individual results vary.Lighthouse Finance Solutions is a legitimate, BBB A+ Accredited direct debt settlement company headquartered in Plantation, FL. Founded around 2017, the company holds memberships in the American Fair Credit Council (AFCC) and the Association for Consumer Debt Relief (ACDR), and is registered with California's DFPI. Per Lighthouse's own published disclaimer, clients who complete the program are estimated to pay approximately 70-80% of original enrolled debts (including fees) over 24 to 48 months. Fees are performance-based per the FTC Telemarketing Sales Rule. Service is not available in all states. As with any debt settlement program, credit impact is significant, and not all clients complete the program. Individual results vary.
Lighthouse Finance Solutions LLC is a Florida limited liability company headquartered at 5769 W Sunrise Blvd, Plantation, FL 33313, with a second location at 4613 N University Dr PMB 211, Coral Springs, FL 33067. Public business directories list the company as founded around 2017. Thomas Katz is listed as President on the BBB profile.
The company is BBB Accredited (since October 10, 2025) with an A+ rating, and BBB categorizes Lighthouse under Debt Relief Services. Lighthouse is a member of the American Fair Credit Council (AFCC) and the Association for Consumer Debt Relief (ACDR), both of which require members to follow industry compliance standards including no upfront fees and performance-based pricing.
Lighthouse Finance Solutions is registered with California's Department of Financial Protection and Innovation (DFPI) under CCFPL Registration Number 01-CCFPL-1862108-3419701. The company filed its LIGHTHOUSE FINANCE SOLUTIONS trademark with the USPTO on July 16, 2024 (Serial Number 98651226). Public business directories list the company at approximately 10-50 employees and $5M-$10M in annual revenue.
Contact information: phone 1-844-326-3396 (also listed on BBB as 888-974-7753), with hours Monday-Thursday 9:00am-8:30pm, Friday 9:00am-6:00pm, Saturday 10:00am-2:00pm.
Lighthouse Finance Solutions operates as a direct debt settlement provider, meaning the company handles consultation, enrollment, account management, and creditor negotiation in-house rather than referring consumers to a third-party partner. Per Lighthouse's published process, the program typically works like this:
Per Lighthouse's website, consumers begin by chatting confidentially with a certified debt relief specialist who reviews the consumer's debts and finances. The specialist reviews whether debt settlement is the right option compared to alternatives. Per the company's own statement, if another solution serves the consumer better, Lighthouse representatives will help identify it.
If debt settlement is the appropriate path, Lighthouse develops a settlement plan covering the estimated program term (typically 24-48 months per the company's disclaimer), the estimated monthly deposit, the enrolled creditor list, and the estimated total program cost. Get the complete plan in writing before signing.
A dedicated account is established in the consumer's name for the consumer to set aside a designated amount of money each month. Funds in this account belong to the consumer. As funds accumulate, Lighthouse uses them to make settlement offers to creditors.
Lighthouse negotiates with enrolled creditors to accept less than the full balance owed. Per Lighthouse's BBB responses, for many clients settlements are reached within the first 90 days, but timing depends on account status at enrollment, creditor willingness, and deposit pace. Lighthouse earns fees only after a settlement is reached on an enrolled account, consistent with the FTC Telemarketing Sales Rule. Settlement amounts plus fees are paid from the dedicated account.
The single most important thing to understand when evaluating Lighthouse Finance Solutions is the difference between a direct provider (Lighthouse, Beyond Finance, NDR) and a matching company (CuraDebt). These have different operational structures and different consumer experiences:
| Aspect | Direct Provider (Lighthouse) | Matching Company (CuraDebt) |
|---|---|---|
| Who handles the consultation | Lighthouse's own staff | CuraDebt connects you to a debt settlement company in our network |
| Who negotiates with creditors | Lighthouse's in-house settlement team | The partner company in CuraDebt's network |
| Single point of accountability | One company throughout | Partner company handles enrollment and settlement |
| Evaluation across multiple options | One provider only | Evaluation of multiple options across partner network |
| Track record visibility | Lighthouse's own BBB and review profile | Partner company's profile plus 25 years of industry expertise behind the matching |
| Best fit for | Consumers who prefer a single-company relationship from start to finish | Consumers who want a free consultation that evaluates options before committing |
Neither model is universally better. Direct providers offer simplicity and clear accountability. Matching companies offer evaluation across multiple options before commitment. The choice depends on whether the consumer wants to evaluate one company up front (Lighthouse) or compare across options with one consultation (CuraDebt).
Lighthouse Finance Solutions has review patterns across several platforms, with high marks from clients who completed the program and complaints typical of the debt settlement industry from clients who had negative experiences.
| Platform | Rating | Notes |
|---|---|---|
| BBB Accreditation | A+ Accredited (since Oct 2025) | Debt Relief Services category; review BBB directly for current complaint count |
| Birdeye Aggregate | 4.9 / 5 | 3,976+ reviews per Birdeye listing |
| Trustpilot | ~4 / 5 | Mixed feedback; representative interactions praised, program clarity concerns raised |
| Google Reviews | ~4 / 5 | 1,800+ reviews; staff helpfulness commonly mentioned |
| BBB Customer Reviews | Mixed | Industry-typical pattern: positive completion stories, complaints about program rigor |
Source: BBB, Trustpilot, Google, and Birdeye as of early 2026. Ratings change over time; verify current scores directly with each platform.
| Pros | Cons |
|---|---|
| BBB A+ Accredited (since October 2025) | BBB Accreditation is relatively recent (under one year) |
| AFCC and ACDR member (industry compliance standards) | Smaller operating track record (~8 years) than major direct providers |
| Direct provider with single point of accountability | Cannot evaluate multiple providers without separate consultations |
| Free consultation with no obligation | Service not available in all states (per company disclaimer) |
| Performance-based fees (no fees until settlement reached) | Fee percentage varies by state and is quoted in consultation rather than published |
| Company-published payoff range (70-80% of enrolled debt including fees) | Debt settlement causes significant credit damage during the program (industry-wide) |
| California DFPI registered (CCFPL Reg 01-CCFPL-1862108-3419701) | Smaller scale (~10-50 employees) than the largest direct providers |
| Plantation, FL physical address (two Florida locations) | Creditor lawsuits during the program are a known risk of any debt settlement, not unique to Lighthouse |
Yes, Lighthouse Finance Solutions is a legitimate, BBB Accredited debt settlement company. The verification checklist: BBB Accredited since October 10, 2025 with A+ rating, AFCC and ACDR memberships, California DFPI registration on file, Florida corporate filings on record, physical addresses in Plantation and Coral Springs, USPTO-filed trademark, and FTC Telemarketing Sales Rule compliance (performance-based fees with no upfront charges). Lighthouse passes each of these checks.
"Legitimate" does not mean "right for everyone" and does not mean "without risk." Important nuances:
Read every program document carefully and confirm the complete fee breakdown in writing before enrolling.
Lighthouse Finance Solutions competes against both other direct debt settlement providers and matching companies that evaluate options across multiple providers. The right comparison depends on what the consumer actually wants from the process.
Lighthouse Finance Solutions, Beyond Finance, and National Debt Relief all fit this preference. Comparison criteria: years in business (NDR 17, Beyond Finance 15, Lighthouse ~8), state availability (NDR widest at 47 states + DC), client volume (Beyond Finance largest at $3B+ resolved), and fee transparency (Beyond Finance and NDR publish standard 15-25% range; Lighthouse quotes fees in consultation per state). All three are FTC-compliant performance-based providers.
A matching company evaluates options against the consumer's specific situation before committing to a provider. CuraDebt has been in business since 2001 (25 years of industry expertise) and uses that expertise to match consumers with a debt settlement company in the partner network. The consultation is free with no obligation. Where Lighthouse offers one provider, the CuraDebt consultation evaluates the consumer's specific debt amount, income, state, and goals against multiple options before any commitment.
Multiple paths fit this goal: debt settlement (Lighthouse, CuraDebt partner network, Beyond Finance, NDR), debt management plan through a nonprofit credit counseling agency, consolidation loan, or focused budgeting and DIY negotiation. The right path depends on debt amount, income, credit profile, state of residence, and personal preferences. A free consultation can map options without commitment.
These criteria apply equally to Lighthouse Finance Solutions, CuraDebt partner network providers, Beyond Finance, NDR, and any direct debt settlement company.
Look beyond the BBB letter grade. Check whether the company is a current AFCC member (American Fair Credit Council member directory) and/or ACDR member. Lighthouse Finance Solutions states membership in both AFCC and ACDR. Verify directly with each association before enrolling. AFCC and ACDR members agree to compliance standards including no upfront fees, performance-based pricing, and transparent disclosure.
The company's published disclaimer tells you exactly what they promise and what they don't. Per Lighthouse's disclaimer: "clients who make all their monthly program deposits are estimated to pay approximately 70-80% of their original enrolled debts over 24 to 48 months including program fees. Not all clients are able to complete their program for various reasons, including their ability to save sufficient funds." That tells you the company's own estimated range and the completion risk.
Per industry standard and FTC compliance, fees are charged only after settlement is reached. The specific fee percentage varies by state and by company. Get the exact fee percentage applicable to your state in writing before signing. Industry standard is 15-25% of enrolled debt; verify where the specific provider sits.
Read the actual complaint text and company responses. A high BBB rating reflects how a company responds to complaints, not the absence of complaints. Look for patterns: are complaints about specific issues (timeline, fees, communication) and how thoroughly does the company respond? Lighthouse's complaint responses typically address specific account details and reference program graduation timelines.
Debt settlement companies must be licensed in states where they operate. Lighthouse Finance Solutions states it is registered with California's DFPI under CCFPL Registration 01-CCFPL-1862108-3419701. Verify your state's specific licensing requirement is met. Some states (CT, MA, ME, ND, OR, WI) have specific restrictions on debt settlement that may limit which providers can offer service.
Per Lighthouse's disclaimer and industry-wide, debt settlement will likely adversely affect creditworthiness. Typical impact: credit scores drop 100-150 points during the program, settled accounts are reported as "Settled For Less Than Full Balance" and remain on credit reports for up to 7 years from the original delinquency date. If credit preservation matters more than debt reduction, consider alternatives like debt management plans (less credit damage) or consolidation loans.
During any debt settlement program, accounts go delinquent before settlement is reached. Creditors retain the legal right to sue. Some BBB complaints across the industry reference lawsuits filed during enrollment. Ask explicitly what happens if a creditor sues during the program: does the company provide legal referral support, what is the impact on the settlement strategy, and how often does this happen in their book of business.
Some debt settlement programs include only the settlement service fee. Others include additional administrative fees, monthly maintenance fees, or third-party dedicated-account fees (paid to the bank holding the dedicated account, separate from the settlement company). Ask for a complete list of every charge across every entity involved, in writing, before signing.
Per the FTC Telemarketing Sales Rule, no settlement fees can be charged before a settlement is reached. Funds in the dedicated account belong to the consumer at cancellation. However, monthly subscription or administrative fees may be non-refundable. Read cancellation provisions carefully before enrolling.
Ask 2-3 free consultations (Lighthouse Finance Solutions, CuraDebt, Beyond Finance, NDR) the exact same questions: estimated total program cost, estimated program length, fee percentage, expected credit impact, expected lawsuit risk in your state, cancellation policy. The differences in answers reveal more than the answers themselves.
Free consultations cost nothing and provide multiple data points. A consultant who pressures you to sign during the call, refuses to put specifics in writing, or pushes back on you wanting to compare options is a red flag. Reputable providers expect consumers to compare options.
Most positive reviews of any debt settlement company describe the enrollment experience (friendly consultant, easy paperwork, clear plan). The more valuable reviews discuss program outcomes: actual settlements reached, total amount paid, final credit position, time to completion. Look for these in BBB customer reviews and longer Trustpilot or Google reviews.
Lighthouse Finance Solutions may be a fit if:
Lighthouse Finance Solutions may not be the best fit if:
These are recurring questions about Lighthouse Finance Solutions from consumer forums, BBB review threads, and Google review discussions.
Yes. Lighthouse Finance Solutions LLC is a real BBB Accredited debt settlement company based in Plantation, FL (5769 W Sunrise Blvd) with a second location in Coral Springs. The company holds AFCC and ACDR memberships and is California DFPI registered. Their phone number is 1-844-326-3396 (also listed on BBB as 888-974-7753).
That said, "real company" does not mean the program is the right fit. Before responding: decide what you actually want. If you want to evaluate debt settlement against other options (debt management plan, consolidation loan, bankruptcy alternatives), a matching consultation that evaluates multiple paths may serve you better than committing to one provider up front.
All three are direct debt settlement providers (vs matching companies that connect you to a partner). Key differences:
All three are AFCC and BBB Accredited. The right fit depends on whether scale or personalization matters more for your situation.
It depends on what you want from the process:
CuraDebt has been in business since 2001 (25 years of industry expertise) and evaluates each consumer's specific situation against multiple options in our partner network. A free CuraDebt consultation has no obligation. Get a free CuraDebt consultation.
Possibly. During any debt settlement program (Lighthouse, Beyond Finance, NDR, CuraDebt's partner network providers, or others), enrolled accounts typically go delinquent while funds accumulate in the dedicated account. Creditors retain the legal right to sue at any time during this period.
Lawsuit risk depends on: account balance (higher balances more likely to be litigated), creditor type (some are more aggressive litigators), state of residence (statutes of limitations vary), and total program length. BBB complaints across the entire debt settlement industry reference lawsuits filed during enrollment. Ask your consultant explicitly about how the program handles lawsuit risk in your state before signing.
Per Lighthouse's own disclaimer, "fees may vary from state to state." Debt settlement fees are state-regulated, and the specific percentage allowed varies. Posting one fee percentage publicly would be inaccurate for many states. Industry standard is 15-25% of enrolled debt for direct debt settlement providers.
This isn't unique to Lighthouse. Many state-licensed debt settlement companies quote fees in consultation rather than publishing one number. Before signing, get the specific fee percentage for your state in writing along with the estimated total program cost.
Per Lighthouse's published disclaimer: "clients who make all their monthly program deposits are estimated to pay approximately 70-80% of their original enrolled debts over 24 to 48 months including program fees." That means the total amount the consumer pays (across settlement payments plus Lighthouse's fees combined) is approximately 70-80% of what they originally owed.
Example on $30,000 enrolled debt: 70% would be $21,000 total paid; 80% would be $24,000 total paid. Compared to paying credit card minimums on the same balance, which can result in $72,000+ paid over 28 years at 22% APR, the savings can be substantial. Individual results vary; the 70-80% is the company's own published estimate for clients who complete the program, not a guarantee or prediction of any specific outcome.
Per Lighthouse's disclaimer, "our service is not available in all states." Two ways to verify:
Some states (Connecticut, Massachusetts, Maine, North Dakota, Oregon, Wisconsin) have specific restrictions on debt settlement that may limit Lighthouse's availability or that of any debt settlement provider.
No. Lighthouse Finance Solutions LLC (Plantation, FL, BBB A+ Accredited) is a debt settlement company. There are several other companies with similar names: a separate company called simply "Lighthouse" based in Orlando appears on BBB with a different rating and complaint pattern, and Lighthouse Capital is a different entity entirely operating in mortgage or commercial lending. The names can cause confusion. Verify the exact legal business name (Lighthouse Finance Solutions LLC) on any document before signing.
As of early 2026, no major regulatory action or class action lawsuit against Lighthouse Finance Solutions LLC appears in public CFPB enforcement records, FTC enforcement actions, or federal court searches. The company is AFCC and ACDR member in good standing, BBB Accredited since October 2025, and California DFPI registered without published enforcement issues.
Individual BBB complaints describe operational issues common to the debt settlement industry (timeline frustrations, credit damage during the program, creditor lawsuits before settlements were reached) rather than systemic fraud or regulatory violations. Lack of public enforcement does not guarantee fit; it is a positive baseline signal.
Cancellation depends on the specific enrollment agreement signed. General guidance based on FTC and industry standards:
If experiencing pushback on cancellation rights, file a BBB complaint or CFPB complaint at consumerfinance.gov/complaint. Both create a public record and require the company to respond.
Lighthouse Finance Solutions is a legitimate, BBB A+ Accredited direct debt settlement company headquartered in Plantation, FL, with AFCC and ACDR memberships and California DFPI registration. The company's own published disclaimer states a 70-80% total payoff range (including fees) over 24-48 months for clients who complete the program. Performance-based fees follow the FTC Telemarketing Sales Rule. As with any debt settlement program, credit impact is significant during the program and not all clients complete it.
If debt settlement is the right path, the comparison is not Lighthouse vs. nothing; it's Lighthouse vs. other direct providers (Beyond Finance, NDR, Freedom Debt Relief) and matching companies (CuraDebt). CuraDebt has been in business since 2001 (25 years of industry expertise) and offers a free consultation with no obligation that evaluates options against your specific debt, income, state, and goals. The most actionable next step is getting 2-3 free consultations and comparing the specific program structure offered to your situation.
