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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
Summons for Credit Card Debt: Complete Response Guide

July 8, 2026

It’s possible to defend yourself in a lawsuit for credit card debt, or reduce the amount you owe. Here’s what you need to know.

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

October 28, 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 It Cost to File Bankruptcy?

August 26, 2026

Bankruptcy can cost $0 or $4,000. Here's what actually decides the price.

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Is Debt Settlement Worth It?
Is Debt Settlement Worth It?

September 19, 2026

Debt settlement can cut what you owe, but it comes with real trade-offs. Here's how to weigh them.

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How to avoid common pitfalls in debt settlement
How to Avoid 8 Common Debt Settlement Pitfalls: Risks to Know Before You Enroll

September 24, 2026

Here are eight debt settlement pitfalls that could cost you more than you expect.

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

October 23, 2026

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

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How to Build Credit after Domestic Abuse
Strike Back and Move On: How to Recover From Financial Abuse

October 29, 2026

Financial abuse can happen to anyone. Here's your recovery plan to leave it behind and live your best life.

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