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Independent debt information · we are not a lender · some links earn us a commission · Disclosure

Disclaimer and Advertising Disclosure

Last updated: 26 October 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, PO Box 8695, Fleming Island, FL 32006, United States, and edited by Michael Gonzales, Founder & Editor.

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 sign up, the company may pay Cloudalien Technologies LLC a fee. You never pay more because you came from here. Commissions are how the site is funded, along with its owner. Nobody pays us to be written about, to be recommended, or to be placed above anyone else.

Commissions do 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 the options we explain, such as paying a card down directly, a non-profit counselor, or doing nothing at all, pay us nothing, and we cover them just the same.

Every page shows a short disclosure in the bar at the top, and every paid link is marked "Paid link" where it appears.

Our paid partners

Right now we have two paid partners, both through the CJ Affiliate network:

  • WalletHub, a free credit score and credit report monitoring service. We link to it on some of our guides about credit reports, credit scores and consolidation.
  • SmartCredit, a paid credit report and score monitoring service. Added 19 October 2026. We link to it on some of our guides about credit reports and credit scores.

If you sign up through one of those links, DebtHaus may earn a commission. It costs you nothing extra, and it doesn't change what we write.

We're not a debt-relief company or a credit repair organization, and we don't link to debt settlement, credit repair or pay-per-call companies. No debt collector pays us, and we don't take money to write about a collector or to change what our collector pages say. When we add a partner, it'll be listed here.

What we collect about you

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. Two things on the site ask for information: our free guides (your first name and email address, stored with our email service, Sendy, sending through Amazon SES) and the contact form (your name, email address and message, so we can reply). We also use Google Analytics to count visits. A commission is paid on what you choose to do after you leave, not on your details, and we never send a partner your name or email address. Details are in the privacy policy.

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.

Free help first

Before anything that costs money, and before any link on this site: a non-profit credit counselor 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.

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].