The constitution of our great nation gives every individual the right to remain silent.

This means that you are not required to provide any information about anything to anyone unless ordered to do so by a court of law, the Congress of the United States and certain government agencies that have subpoena powers. And even if so ordered, you can lawfully remain silent if you believe that providing the information requested can incriminate you.

Thus, you have to be very careful about what you say and about what information you provide. CreditClock.com walks you step by step through the negotiating process - follow rules to maintain your privacy at all times.
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Software Release The new CreditClock  Software 2010 software update is now available. No download necessary.  Enjoy new and improved features. Click Here 

Debt Settlement Scams Rise - A recent FTC report showed that over 80% of consumers enrolled in ds programs failed to negotiate even 1 debt. Read report

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If you are one of the millions of Americans struggling with credit card debt you're certainly not alone. CreditClock.com operates as a Pro-Consumer company, committed to the on-line delivery of do it yourself  settlement software. We provide invaluable insider knowledge and a clear understanding of the steps you must take to negotiate your debts direclty. SAVE thousands of dollars from the comfort and security of your home computer!

"Do not fall victim to debt settlement companies that will drain your wallet and leave your more exposed to collection abuses.  Aside from stealing your money, there is nothing these so called "debt experts" can do for you that you can not do for yourself!" - Eric Katz Founder
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