About My Debt Off: Mission, Team & Privacy Standards

My Debt Off was built to solve a glaring problem in consumer personal finance: almost every debt payoff tool on the internet requires creating an account, surrendering personal information, or being funneled into high-cost debt settlement programs and lead-generation brokers.

We operate as an independent consumer education platform operated by J3 Information Technology, based in Cedar Park, Texas.

Editorial Leadership & Author Credentials

Donatus Richard — Lead Personal Finance Writer

Donatus specializes in behavioral economics, consumer debt repayment frameworks, and credit card amortization mathematics. He has researched and authored educational guides evaluating the Debt Snowball, Debt Avalanche, 0% balance transfer economics, and the psychological impact of debt stress.

All calculators and guides are reviewed for factual consistency against disclosure frameworks published by the Consumer Financial Protection Bureau (CFPB) and Federal Reserve statistical releases.

Company Information & Editorial Standards

Legal Entity: J3 Information Technology
Mailing Address: 1320 Arrow Point Dr, Suite 501, Cedar Park, TX 78613, United States
Contact Email: support@j3info.com
Editorial Independence: We do not accept sponsored placements, paid endorsements, or debt settlement commissions.
Revenue Model: Our platform is supported by non-intrusive display advertising (Google AdSense). Calculations remain 100% free forever for all users.