You pay the minimum every month and the balance barely flinches.
A weekly check-in that does the math for you: "You've paid off $847 of $12,400. That's 6.8%. Can you add a $50 payment this week? Reply YES or NO."
or text DEBT to (855) 812-6669
By entering your number, you agree to receive recurring SMS messages from BotherMe.co. Message frequency varies. Msg & data rates may apply. Reply STOP to cancel anytime. Terms | Privacy
Plans from $2/mo. Cancel by text. No app, ever.
The text you'll actually get
No mood board, no mockup. This is the real message DebtCoach sends, and how you answer it.
BotherMe
SMS · Active now
What happens when you ignore us
Every other app you ignore. This one notices.
No escalation
Nothing dramatic. Nobody gets a text, no alarm goes off. It is just you, the streak you are about to break, and us asking again tomorrow.
- How often
- 1x weekly (+ milestone texts)
- Weekly report
- Once a week we send the receipts: what you did, what you skipped, and the streak you are defending.
The whole setup, by text
No form, no app store, no password. You answer a couple of questions and you're live.
Text 1
Text 2
Text 3
Takes about 11 seconds. We timed it.
What it costs
No per-skill surprises. DebtCoach is one skill, billed with everything else you turn on.
$2/mo
One skill. This one, if it's the one.
$7/mo
Five skills. DebtCoach counts as one of them.
Questions you're already asking
Does it connect to my loans or bank?
No. You tell it your total and minimum payment in setup, then report what you pay. It does the percentage math and tracks the trend. Nothing to link, no account access.
Is this a payoff strategy like avalanche or snowball?
It's the accountability layer on top of whatever strategy you use. It nudges a small extra payment when you can swing it and celebrates milestones, so motivation doesn't run out before the balance does.
What if I can't make extra payments some weeks?
Reply NO and nothing bad happens. Some weeks are tight. The check-in is there for the weeks you can find $20, because those are the weeks that shorten the whole thing by months.
How do I cancel?
Text CANCEL DEBT and we stop. No phone call, no retention rep, no guilt trip.
Does it work on my phone?
It's SMS. If your phone can send a text, it works. No app to download, no smartphone required.
If this isn't your problem
Same category, different nag. One of these might be the one you actually need.
You read the whole page.
Just start.
DebtCoach kicks in the second you text in. The hard part was scrolling this far.
or text DEBT to (855) 812-6669
By entering your number, you agree to receive recurring SMS messages from BotherMe.co. Message frequency varies. Msg & data rates may apply. Reply STOP to cancel anytime. Terms | Privacy