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Gina Freeman (Pogol)

Contributing Author, Editor

Gina Freeman (Gina Pogol) enjoys breaking down complicated subjects and helping consumers feel comfortable making financial decisions. An acknowledged expert in mortgage and personal finance since 2008, Gina's experience include mortgage lending and underwriting, tax accounting, and credit bureau systems consulting. You can find her articles on MSN Money, Fox Business, Forbes.com, The Motley Fool and other respected sites.

How to respond to a court summons for credit card debt
How To Respond To A Court Summons For Credit Card Debt

September 8, 2025

If you receive a summons for credit card debt, it’s in your best interest to respond and not ignore it. Learn more about what to do when you get a court summons.

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Credit Card Debt Bankruptcy
Should You Consider Filing for Credit Card Debt Bankruptcy?

September 17, 2025

If you’re overwhelmed by creditor phone calls, collection letters, or lawsuits, filing for bankruptcy forces your creditors to suspend collection activity. You cannot legally...

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Can you cancel a debt settlement contract?
Can You Cancel a Debt Settlement Contract?

August 30, 2025

A reputable debt relief company won't give you a hard time about canceling. Here’s what to do.

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How to plan for financial emergencies while paying off debt
How to Plan for Financial Emergencies While Paying Off Debt

August 30, 2025

Budget, save a little, and pay down a little, and you can eventually be debt-free and ready for emergencies.

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How to Negotiate a Debt Settlement
How to Negotiate Your Credit Card Debt

September 11, 2025

Our expert shares effective techniques for negotiating credit card debt and putting it behind you.

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How much does bankruptcy cost?
How Much Does Bankruptcy Cost?

September 2, 2025

Filing for bankruptcy can cost very little—or hit your wallet hard. Here’s what you need to know about the costs.

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4 numbers to know before you consolidate your debt
4 Numbers to Know Before You Consolidate Your Debt

September 4, 2025

Make the best possible debt consolidation decision (and dodge roadblocks) by knowing these four numbers.

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mom and daughter (adult)
Words From the Wise: Financial Tips From Our Moms

September 12, 2025

Blog post tips from FDR team moms

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Can Debt Collectors Take Money From Your Bank Account
Complete Guide to Bank Account Levy and Garnishment

September 6, 2025

Yes, debt collectors can access your bank account. But you can take advance action to prevent this nightmare.

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