"With the exception of stealing your money, there is nothing a debt settlement company can do for you that you cannot do for yourself."

CreditClock.com has revolutionized the debt settlement industry by creating 100% web-based DO IT YOURSELF software products. We have successfully eliminated the "traditional debt settlement" company from the equation.

CreditClock.com eliminates the "traditional" debt settlement company from the equation. By redirecting these savings, (typically thousands of dollars), CreditClock helps accelerate the debt settlement process by as much as 90%. We promote a DIY approach to dealing with your credit card debt because we understand that no one is going to care more about your financial situation than you will.

How does it work? Debt Settlement works by negotiating a payment for less than the balance owed (principal) on your unsecured personal debt accounts. This is different from simply reducing the interest rate as with Debt Consolidation and Credit Counseling, which do not affect the total debt balance. By negotiating the balance itself, Debt Settlement provides a much faster means of handling your debt.

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