Affiliate Disclosure

A Note on How This Site Sustains Itself

Producing accurate, well-researched content on a consistent basis takes time and resources. Like most independent publishing sites, TheDebtFile.com covers those costs through advertising served by Google and through referral arrangements with some of the companies discussed here. When a reader enrolls in a program after clicking a link on this site, this site may receive a fee from that company at no cost to the reader.

This page exists because those arrangements are worth being transparent about. A financial relationship between a publisher and a company it covers is something readers have a right to know.

Google AdSense

Some pages on this site display advertisements served through Google AdSense. These ads are selected and placed automatically by Google based on page content and your browsing history. TheDebtFile.com does not control which specific ads appear, does not have a commercial relationship with the advertisers whose ads are displayed, and does not endorse any product or service advertised through this network.

The appearance of an ad on a page has no bearing on how that page is written or what it recommends.

Debt Relief Companies

Some of the companies discussed on this site have referral arrangements in place. If a reader follows a link to one of those companies and goes on to enroll in a program, this site may receive a referral fee from that company.

Companies with an active referral arrangement:

• National Debt ReliefOne of the largest debt settlement companies in the US. Works with most unsecured debt types. Minimum enrollment of $7,500. Available in most states.
• Freedom Debt ReliefHas resolved over $20 billion in consumer debt since 2002. Lower minimum enrollment threshold than most competitors. Not available in all states.
• Accredited Debt ReliefSmaller footprint than the other two, available in 30 states. Consistently high customer satisfaction ratings. Minimum enrollment of $10,000.

Where that relationship exists, it is noted in the article. Following a referral link costs the reader nothing — the terms and pricing of any program are set by the company, not by this site.

What Money Does and Does Not Influence

The content on TheDebtFile.com is written from the perspective of someone who spent twelve years inside the debt collection industry. The goal of every article is to give readers accurate, useful context for navigating debt collection, lawsuits, and relief options. That goal does not change based on who advertises here or what carries an affiliate link.

Where a recommendation is made, it reflects the situation being described in that article. If a debt settlement program is not appropriate for the reader’s circumstances, the article will say so, regardless of whether a settlement company is an affiliate partner. The same applies in reverse: non-affiliate options are covered and recommended when they are the better fit.

No company pays to be featured on this site. No company reviews or approves content before publication. No affiliate agreement includes any editorial obligations of any kind.

FTC Disclosure Requirement

FTC guidelines require publishers to disclose when they have a financial relationship with companies they recommend. Consider this page that disclosure. In-article notes appear where the connection is most direct.

Questions about a specific article or recommendation can be sent to [email protected].