Disclaimer

Last updated: 26 August 2026

What this site is

DebtHaus.com publishes plain-language articles about debt — credit cards, student loans, settlement, collections, and what happens to debt in a divorce or after a death. It is owned and operated by Cloudalien Technologies LLC.

We are not a lender, a broker, a debt settlement company, or a credit repair organization. We do not arrange loans, we do not match you with lenders, and we do not take applications. If you have used this site before and remember it working differently — filling in a form and being called by lenders — that is why: it does not do that any more, and it will not do it again.

How this site makes money

Some links on this site earn us a commission. If you follow one and open an account, the company may pay Cloudalien Technologies LLC a fee. You never pay more because you came from here. That is how the site is funded, and it is the only way it is funded — nobody pays us to be written about, to be recommended, or to be placed above anyone else.

It does not decide what we write. We choose what to cover before any commercial relationship exists, we say when a product is a bad deal whether or not it pays us, and the order things appear in is not for sale. Plenty of what we recommend — paying a card down directly, a non-profit counsellor, doing nothing at all — pays us nothing, and those are often the right answer.

Any page carrying a paid link says so, on the page, above the link. If you cannot see that notice, the link is not a paid one.

We do not sell you, either. We do not ask for your income, your balances or your account numbers, there is no application form anywhere on this site, and we never pass your information to a lender, a broker or a lead buyer. A commission is paid on what you choose to do after you leave — not on your details, which we never have.

This is not financial or legal advice

Everything here is general information, published for education. It is not advice about your situation, and it cannot be — we do not know your income, your balances, your rates, your state, or anything else that would matter.

Debt decisions are consequential and often irreversible. Settlement can damage your credit for years. Consolidating unsecured debt into a loan secured on your home can put your home at risk. Bankruptcy has effects that last the better part of a decade. Before acting on anything you read here, talk to a qualified professional — a non-profit credit counselor accredited by the NFCC, an attorney for anything involving a lawsuit or bankruptcy, or a tax professional where tax is involved.

Free, impartial help exists and is worth using before anything that costs money. The Consumer Financial Protection Bureau publishes guidance at consumerfinance.gov, and the Federal Trade Commission covers debt relief scams at consumer.ftc.gov.

Accuracy and currency

Rules change, rates change, and an article accurate when written may be out of date by the time you read it. Dates are shown on every article for that reason. We correct what we get wrong: write to [email protected].

Free help first

Before anything that costs money, and before any link on this site: a non-profit credit counsellor accredited by the NFCC will review your whole situation, usually free, and has no loan to sell you. We would rather you did that and never clicked anything here.