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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.

Can Debt Collectors Take Money From Your Bank Account
Can My Bank Account Be Garnished Without Notice? A Complete Guide to Bank Account Levy and Garnishment

September 15, 2026

Yes, debt collectors can freeze your bank account, but only after following strict legal steps.

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

March 18, 2026

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

March 22, 2026

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

March 14, 2026

Here are the professional tips you need to succeed at credit card debt negotiation.

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