About DebtWatch

DebtWatch explains the ways out of debt in plain language: what each option does, what it costs and how it affects your credit. Our calculators are free, with no sign-up.

When you ask for help through our form, we pass your request to debt relief providers, such as credit counseling agencies, debt settlement companies, lenders or attorneys, or for mortgage requests to mortgage lenders and brokers, that may contact you about your options. We may be paid by those providers. That never costs you anything, and you're never obliged to use any of them.

We are not a lender, credit counselor, debt settlement company or law firm, and nothing on this site is financial, tax or legal advice. For a decision about your own situation, talk with a certified credit counselor, a tax professional or an attorney.