If you are in a financial phase where you’ve decided to get real about what you owe on credit cards and you’re ready to do the work necessary to resolve it intelligently, what I’m about to tell you will sound too good to be true.

Someone has already done the heavy lifting for you.

That someone is Ziv Yirmiyahu and he runs a Web site called CreditCardClients.com. Before skepticism rears its ugly head, let’s just get this part out of the way: The site doesn’t require you to put in your name, e-mail address or specific credit card numbers, nor does it cost you anything.

I told you it would sound too good to be true.

The truth is, Yirmiyahu and his business partner, Idan Gelbourt--whom Yirmiyahu calls a “brilliant technologist”--saw a need and decided to fill it the way comparison tools like Expedia and Amazon work for travel and books, respectively.

“A lot of Web sites are claiming to do this for credit cards,” Yirmiyahu said. “But in most cases we saw a catalog of options and consumers had to dig into the fine print. It requires you to understand what you’re doing.”

Yirmiyahu understands and then some. He founded the company while studying for his PhD in finance at the Stern School of Business at New York University. His undergraduate work at Hebrew University in Jerusalem was in computer science and economics; he also earned his MBA there. Yirmiyahu has taught finance courses on the undergrad and MBA levels as well, but he recently recalled that he has been drawn to entrepreneurship for a very long time.

“It hit me so hard because it’s not a memory I carry around every day,” he said. “When I was 12 or 13 I invented this game similar to a Rubik’s Cube. It was a matchbox with some wires. It was a challenge. Most people couldn’t do it in the first half hour. I contacted a toy factory in Israel and took a bus three hours to get there. The manager was waiting for me. They were very excited. They gave me a tour.

“The toy was never made, but I remembered this while I was taking the step from academia to entrepreneurship. Isn’t it amazing how it was always there?”

Yes. In fact, Yirmiyahu has actually chosen a path that gives him a little taste of both worlds. He and his partner are essentially giving users information that can help them live more educated and, consequently, more peaceful lives. I often tell my life coaching clients that if they believe the ultimate freedom is to be debt-free, then crafting a sound plan to get there and putting it into action will naturally bring its own feeling of liberation.

However, with credit card offers constantly coming in the mail and new marketing slogans enticing the average consumer daily, it can be daunting to take the first step.

“The information needs to be aggregated,” Yirmiyahu said. “But we also wanted to create the Web site so people can intuitively use it. We wanted something very simple.”

They’ve succeeded in that. As of this writing, when I clicked on the Savings Agent tool, it told me it saved users an average of $1,647 (that’s potentially over a two-year period). The idea of the tool is to input which type of credit card you’re using, the balance on that card, whether it has an annual fee, whether you still make purchases on it, how much you typically pay on it per month, and what your credit score is. It will then tell you where to transfer the balance to get the best interest rate and overall savings. The feedback from users has been very positive.

“People realize this is giving them value without asking them to change,” Yirmiyahu said. “It’s a solution based on what they’re already doing.”

The site also has a Learning Center, where users can get concise answers to questions like, ‘what is a grace period?’ And, if you’re one of the few fortunate Americans without credit card debt, by the end of the summer CreditCardClients will be unveiling a tool that helps you maximize the value of card rewards by asking questions about your lifestyle. For example, Yirmiyahu suggests that in some cases instead of using rewards to buy airline tickets, applying them to an upgrade increases their value significantly.

Simply put, it’s more heavy lifting being done for the consumer. Yirmiyahu thrives on it.

“I like when people tell me they recommended the [Savings Agent] tool to someone,” Yirmiyahu said. “I like to inspire people to help others.”

It’s true. Really.

Nancy Colasurdo is a practicing life coach and freelance writer. Her Web site is www.nancola.com. Please direct all questions/comments to FOXGamePlan@gmail.com.