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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 Manage Credit Card Debt Long-Term
How to Manage Credit Card Debt Long-Term

April 20, 2026

Long-term credit card debt is a rude houseguest who steals your money and won't leave. Here's your plan to kick it out.

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What Debts Can Be Settled?
What Debts Can Be Settled?

May 2, 2026

Not all debts can be settled, but many can. Learn your options here.

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What Is House Poor?
What Is House Poor?

May 2, 2026

Too much house, too little money: How being house poor can harm your future.

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Which Debt Should I Pay Off First?
Which Debt Should I Pay Off First?

May 3, 2026

Juggling multiple debts gets easier with a solid repayment plan. Here's how to prioritize your debts.

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Underwater On Car Loan and Can't Afford to Pay It Off
Underwater On Car Loan and Can't Afford to Pay It Off

May 3, 2026

Underwater on your car loan? You don't have to drown. Here are your options.

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How to Stop Using Credit Cards
How to Stop Using Credit Cards

May 4, 2026

It's hard to get out of credit card debt if you keep charging. Here's how to quit and take your power back.

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

May 11, 2026

Yes, you can get out of a debt settlement contract. These are the common mistakes to avoid.

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

May 12, 2026

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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