Tradebloc Inc. in Dallas, TX

4.5/5

Tradebloc Inc. is a debt settlement and contract cancellation company with 25+ years of industry experience, specializing in timeshare exits and debt negotiation with creditors.

Data compiled from public sources · Rating from CreditDoc methodology

From Free/mo Free Consultation Visit Website

Tradebloc Inc. Review

Tradebloc Inc. was founded in 2018 by Tim Clark, a 25-year veteran of the credit and debt management industry who previously founded Master Credit Corporation (a 501(c)(3) non-profit) and Credit Guard Inc. The company claims to have eliminated over $350 million in debt for more than 50,000 customers and was named to the Inc. 5000 list in 2023 as one of the nation's fastest-growing companies. According to their website, much of their recent growth has been driven by timeshare contract cancellation services.

Tradebloc offers a comprehensive suite of financial services including debt settlement (negotiating directly with creditors to reduce or eliminate debt), timeshare contract cancellation, credit monitoring powered by IdentityIQ, credit accuracy services, and identity theft protection. They position themselves as using a collaborative rather than adversarial approach with creditors, emphasizing "win-win" solutions. Their debt settlement team claims to help clients avoid bankruptcy while achieving financial stability.

The company distinguishes itself primarily through its specialization in timeshare contract cancellation, which appears to be a significant revenue driver based on website messaging and customer testimonials. They emphasize Tim Clark's extensive 25-year industry background and positioning as an innovation leader. Customer reviews highlight responsiveness, transparency, and successful outcomes, particularly regarding timeshare exits. The company provides a free consultation service.

However, several factual inconsistencies exist on their website. They claim "25+ years of experience" while stating the company was founded in 2018—only 5-6 years ago. The CEO's 25 years refers to his personal industry experience, not the company's age. Additionally, they reference helping "over 40,000 customers" in one section while claiming "50,737" served in another. The website does not disclose pricing, fee structures, how long debt settlement typically takes, or success rates. No third-party ratings or regulatory information is provided. Consolidating high-interest balances into a single installment loan with a fixed rate can reduce total interest paid and simplify monthly budgeting.

Services & Features

Bankruptcy avoidance strategies

Credit accuracy and dispute services

Credit health tracking and reporting

Credit monitoring with real-time alerts

Creditor representation and negotiation

Debt settlement with direct creditor negotiation

Free consultation services

Identity theft protection powered by IdentityIQ

Personalized financial solutions consulting

Timeshare contract cancellation and exit services

Feature Checklist

Mobile App

Online Portal

Score Tracking

Credit Education

Personal Advisor

Identity Theft Protection

Pricing Plans

Debt Settlement Program

Free /mo

Free debt consultation and evaluation
Creditor negotiation for reduced payoff amounts
Dedicated resolution specialist
No upfront fees — performance-based pricing
Monthly deposit into dedicated savings account
Online progress tracking dashboard
Available for $10,000+ in unsecured debt

Get Started

Pros & Cons

Pros

Specializes in timeshare contract cancellation with documented customer success stories and satisfied reviews
CEO Tim Clark has 25 years of personal credit and debt management industry experience and founding background
Named to Inc. 5000 list in 2023, indicating rapid recent growth
Offers comprehensive services beyond debt settlement including credit monitoring, identity theft protection, and credit accuracy
Uses collaborative negotiation approach with creditors rather than adversarial tactics
Provides free consultation to prospective clients
Customer testimonials emphasize responsiveness, transparency, and timely contract exits

Cons

Website contains contradictory claims: states 25+ years of experience while company founded in 2018; claims both 40,000+ and 50,737 customers served
No pricing, fee structure, or cost transparency provided on website
No information on average debt settlement success rates, typical settlement percentages, or timelines
Limited regulatory or third-party verification information; no CFPB complaint history or BBB rating mentioned
Heavy marketing emphasis on timeshare cancellation may not reflect full service breadth or debt settlement specialization

Rating Breakdown

Value

5.0

Effectiveness

4.9

Customer Service

3.9

Transparency

3.8

Ease of Use

4.5

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Frequently Asked Questions

Is Tradebloc Inc. legitimate?

Yes. Tradebloc Inc. is a registered company, headquartered in Dallas, TX.

How much does Tradebloc Inc. cost?

Tradebloc Inc. plans start at Free per month with no setup fee. No money-back guarantee is offered.

How long does Tradebloc Inc. take to show results?

Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.

Quick Facts

Headquarters: Dallas, TX
BBB Accredited: No
Starting Price: Free/mo
Setup Fee: None
Free Consultation: Yes
Money-Back Guarantee: No

Visit Tradebloc Inc.

+1 800-554-7694 701 Commerce St, Dallas, TX 75202

CreditDoc Diagnosis

Doctor's Verdict on Tradebloc Inc.

Tradebloc is best suited for consumers with unsecured debt seeking negotiated settlements and particularly those trapped in timeshare agreements. Primary caveat: the company provides no transparent pricing, success metrics, or regulatory/compliance information, making it impossible to verify claims or compare value against competitors from the website alone. Consumers evaluating debt relief companies should also consider whether debt consolidation loans, credit counseling, or personal loans for bad credit might provide a better path to financial recovery depending on their specific situation.

Best For

Consumers stuck in timeshare contracts seeking legal exit options
Individuals with multiple unsecured debts seeking creditor negotiation without legal action
Those wanting integrated credit monitoring and identity theft protection alongside debt resolution
Consumers preferring collaborative over aggressive debt management approaches

Updated 2026-04-30

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Financial Terms Explained (14 terms)

New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.

How Loans Work

Default — Loan Default

When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.

Why it matters

Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.

Example

You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).

Legal Terms

CFPB — Consumer Financial Protection Bureau

A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.

Why it matters

The CFPB is your most powerful ally against predatory lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.

Example

A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.

FDCPA — Fair Debt Collection Practices Act

A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and must stop contacting you if you request in writing.

Why it matters

Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you can sue for up to $1,000 per violation plus attorney fees.

Example

A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.

Garnishment — Wage Garnishment

A court order that requires your employer to withhold part of your paycheck and send it directly to a creditor. Usually happens after a creditor sues you and wins a judgment.

Why it matters

Federal law limits garnishment to 25% of disposable income. Some states have lower limits. Student loans and taxes can be garnished without a court order.

Example

You owe $8,000 on a defaulted credit card. The bank sues, gets a judgment, and garnishes your wages. On a $3,000/month net paycheck, they take $750/month until the debt is paid.

Statute of Limitations — Statute of Limitations (Debt)

A time limit (typically 3-6 years, varies by state) after which a creditor can no longer sue you to collect a debt. The debt still exists, but they lose the legal power to force payment.

Why it matters

Knowing your state's statute of limitations prevents you from being tricked into paying debts that are legally uncollectable. Beware: making a payment can restart the clock.

Example

You have a $3,000 credit card debt from 2019. Your state has a 4-year statute of limitations. In 2024, a collector calls demanding payment. The statute has expired — they cannot sue you.

Debt & Recovery

Chapter 13 Bankruptcy — Chapter 13 Bankruptcy (Reorganization)

A type of bankruptcy where you keep your assets but follow a court-approved 3-5 year repayment plan to pay back some or all of your debts. Stays on credit for 7 years.

Why it matters

Chapter 13 is better than Chapter 7 if you have a home or assets you want to keep. It can stop foreclosure and let you catch up on mortgage payments over 3-5 years.

Example

You're 3 months behind on your mortgage and have $30,000 in credit card debt. Chapter 13 stops foreclosure and puts you on a 5-year plan: you pay $600/month to catch up on the mortgage and pay 40% of the credit card debt.

Chapter 7 Bankruptcy — Chapter 7 Bankruptcy (Liquidation)

A type of bankruptcy that wipes out most unsecured debts (credit cards, medical bills) by liquidating non-exempt assets. It stays on your credit for 10 years.

Why it matters

Chapter 7 gives you a fresh start but at a steep cost: 10 years on your credit, difficulty getting loans, and you may lose assets. Income must be below your state's median to qualify.

Example

You have $45,000 in credit card debt and earn $35,000/year. Chapter 7 erases the debt. You keep exempt property (basic car, household items). Your score drops to ~500 but you're debt-free.

Charge-Off

When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.

Why it matters

A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.

Example

You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).

Collections — Debt Collections

When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.

Why it matters

Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.

Example

An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.

Debt Consolidation

Combining multiple debts into one single loan with one monthly payment, ideally at a lower interest rate. It simplifies repayment and can reduce total interest.

Why it matters

Consolidation works best when you get a lower rate than your existing debts. But it doesn't reduce what you owe — and extending the term can mean paying more total interest.

Example

You have: $5,000 at 22% (credit card), $3,000 at 18% (store card), $2,000 at 25% (payday loan). A $10,000 consolidation loan at 11% saves you ~$2,100 in interest over 3 years.

Debt Settlement — Debt Settlement / Negotiation

Negotiating with creditors to accept less than the full amount you owe — typically 40-60 cents on the dollar. Usually done after you've already fallen behind on payments.

Why it matters

Settlement can save thousands, but it severely damages your credit (settled accounts show for 7 years) and the IRS may tax the forgiven amount as income.

Example

You owe $15,000 on a credit card and negotiate a settlement of $7,500 (50%). You save $7,500 but: your credit drops 100+ points, the account shows 'settled' for 7 years, and you may owe taxes on the $7,500 forgiven.

DTI Ratio — Debt-to-Income Ratio

The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.

Why it matters

Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.

Example

You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.

Judgment — Court Judgment (Debt)

A court ruling that says you legally owe a specific amount to a creditor. It gives the creditor power to garnish wages, freeze bank accounts, or place liens on your property.

Why it matters

Judgments are enforceable for 10-20 years (varies by state) and can be renewed. They give creditors far more collection power than a simple unpaid debt.

Example

A credit card company sues you for $8,000 and wins a judgment. They can now garnish 25% of your paycheck ($750/month on a $3,000 net salary) and freeze your bank account.

Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.

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