AUSTIN, Texas, July 9 /PRNewswire/ -- ARC Systems today launched the first online tool specifically designed to let consumers take control of their credit card debt. The new product, Debt Logistics, is a credit optimization tool that not only educates consumers about debt, but also provides a custom roadmap to improving their financial situation by reducing payments and getting out of debt sooner, as well as improving their credit rating.

Debt Logistics is unique because it offers a personalized roadmap for consumers to use to decrease their debt and interest, and it is completely private. Unlike debt consolidation services, it does not negatively affect a customer's credit rating, and can actually improve their credit score. And unlike so-called 'debt information services,' which simply offer commonsense advice, Debt Logistics provides consumers with a practical plan they can execute to reduce their debt.

A recent Center for Responsible Lending study reveals that credit card debt and an inability to deal with that debt are among the most dangerous problems facing Americans today. In fact, according to Forbes.com, the typical American household carries an average of $9,200 in credit card debt.

"Debt Logistics levels the playing field for consumers," says Mark Jones, Vice President of Debt Logistics. "Credit card terms are so difficult to understand, it's easy for consumers to get lost. They make more than the minimum payment and think that will get them ahead, but it's much more complicated than that. Debt Logistics takes the mystery out of getting out of debt, making it crystal clear the best way for each individual to pay off his or her debt as quickly and cheaply as possible."

"If the biggest problem with the credit card is a fearsome complexity of fees and contract terms that no reasonable person would take the time to understand, then Debt Logistics provides a welcome response -- a simple tool that helps people make the most of the money they have to pay credit card issuers" says Ronald Mann, nationally recognized scholar and professor at the University of Texas Law School and Columbia Law School, and author of many financial books including Charging Ahead: The Growth and Regulation of Payment Card Markets Around the World and Electronic Commerce.

With Debt Logistics, consumers enter a secure, private website and input their own debt data, without having to give any identifying information. Then the program provides customized instructions for the repayment of their debt, outlining step-by-step instructions on how to move their debt around to pay the least amount of interest over the least amount of time.

Early users of the Debt Logistics online tool have experienced dramatic results. Jackie B. in Austin, TX says, "I felt like I was drowning in credit card debt until I used Debt Logistics. This clever and easy-to-use tool has given me a new sense of control over my financial situation. Debt Logistics showed me how to pay off my credit cards five times faster than my prior payment approach. In fact, 100% of focus group members replied that they were satisfied with the personalized strategy Debt Logistics provided them to take control of their debt.

ARC Systems was founded in 1984 by current President and CEO Ed Jones. The company started as a custom software shop, working in the government and health services industries. Today, ARC Systems is a privately held company that provides lending institutions, investment and commercial banks across the nation with the power to make fast, accurate and consistent decisions.

Contact: Heather Guntert

512.288.4054

CONTACT: Heather Guntert of ARC Systems, +1-512-288-4054

Web site: http://www.arcsystems.com/