About DebtHaus

What DebtHaus is

DebtHaus publishes plain-English explanations of consumer debt: credit cards, collections, settlement, consolidation, credit reports and student loans. We are not a lender, a debt settlement company, a credit counselor or a law firm, and nothing here is legal, tax or financial advice for your situation.

How we make money

The banner at the top of the site says some links may earn us a commission. Here is what that means: if we link to a product or service and you sign up through that link, the company may pay us. You never pay more because of it. Commissions don't decide what we cover or how we explain it, and we won't accept payment for a positive write-up. Right now most articles carry no paid links at all. When one does, the disclosure sits next to the link, not only in the banner.

Where our information comes from

We lean on primary sources: the Consumer Financial Protection Bureau (consumerfinance.gov), the Federal Trade Commission (ftc.gov and consumer.ftc.gov), the Federal Reserve and the New York Fed for debt statistics, Federal Student Aid (studentaid.gov), and the text of laws like the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Articles link to the sources they rely on so you can check them.

Who writes it, and what we don't claim

Articles are researched and written by the DebtHaus editorial team, with AI tools used for drafting and research support. A person edits every article before it goes live. Our articles are not reviewed by a certified financial planner, credit counselor or attorney, so we don't describe them as expert advice. If that changes, the reviewer will be named on the article.

Updates and corrections

Rules and numbers change, so articles show the date they were last updated, and we refresh statistics when new federal data comes out. If you spot an error, tell us through the contact page and we will correct it and note the change.

Need help now?

For free or low-cost help, look for a nonprofit credit counselor (the CFPB explains how to pick one), and treat any company that wants fees before it settles a debt as a red flag; the FTC's Telemarketing Sales Rule bans most of those upfront fees.