The Penny Brief is an independent personal-finance publication covering debt relief, credit, and everyday money decisions in plain English.
Every guide is researched from primary sources: company contracts, regulator filings (FTC, CFPB), and published complaint records. We list cons before pros on reviews. We recommend non-profit counseling over paid programs whenever the math favors it. Articles state their last-checked dates. A PB Picks seal appears only on companies that pass our full review with zero unresolved enforcement actions.
Founder and publisher: Davis Loui, who works in consumer debt-relief markets and started The Penny Brief because most "reviews" in the space are ads wearing a lab coat. Full editorial roster with contributor bios is coming as onboarding completes.
Tips, corrections, partnerships: editor@thepennybrief.com