Editorial policy

Last updated: 26 October 2026

What we publish

DebtHaus explains consumer debt in plain English: credit cards, collections, settlement, consolidation, credit reports and student loans. Each article opens with a short answer, then the detail and the sources behind it.

Sources we use

We rely on primary sources: the Consumer Financial Protection Bureau, the Federal Trade Commission, the Federal Reserve and the New York Fed for debt statistics, Federal Student Aid, and the text of laws such as the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Articles link to what they rely on.

Who writes it

Michael Gonzales, Founder & Editor, edits every article before it goes live. Articles are researched and drafted with the help of AI tools. Articles are not reviewed by a certified financial planner, credit counselor or attorney, so we don't call them expert advice. If that changes, the reviewer will be named on the article.

What we won't do

• Promise results, such as a guaranteed settlement amount or credit score.
• Recommend payday loans or credit repair services.
• Accept payment for a positive write-up.

Updates and corrections

Rules and figures change, so articles show the date they were last reviewed, and we refresh statistics when new federal data comes out. Report errors through the contact page. When we correct a factual error, the article's last-reviewed date changes and the correction is noted at the end of the article.

Facts, not advice

DebtHaus answers questions with facts and the text of the law. We describe what each option involves, what it costs and what can go wrong; we do not tell readers which one to choose.