author

Kimberly Rotter

Author

Kimberly Rotter is a financial counselor and consumer credit expert who helps people with average or low incomes discover how to create wealth and opportunities. She’s a veteran writer and editor who has spent more than 30 years creating thousands of hours of educational content in every possible format.

How to get back on track after missing debt payments
How to Get Back on Track After Missing Debt Payments

September 3, 2025

You can recover after falling behind on debt payments. We’ll show you how to get back on track.

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Five Free Debt Payoff Apps You’ll Want to Use Now
Best Apps to Pay Off Credit Card Debt

September 16, 2025

Check out our 10 best debt payoff apps to manage your budget and get rid of your credit card debt for good.

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Negative Bank Account
How to Clear a Negative Balance in Your Bank Account: Step-by-Step Guide

September 15, 2025

If your bank account is in the negative, it can cost you money. Find out how to clear a negative bank balance here.

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How to Use Credit Cards Wisely
Can I Still Use My Credit Card After Debt Settlement?

September 15, 2025

Debt settlement doesn’t mean you’ll never use credit cards again. We’ll walk you through the process to rebuild.

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FDR article counseling ar-min
Credit Card Counseling Pros and Cons: A Complete Analysis for 2025

September 15, 2025

Credit counselors can help a lot, but they have their limits. Learn the credit counseling pros and cons in our guide.

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How to save the most money when consolidating debt
How to Save the Most Money When Consolidating Debt

September 17, 2025

Debt consolidation could help you pay down what you owe faster and potentially keep more money in your pocket.

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What Is a Government Debt Relief Program?
Veteran Debt Relief Grants: Your Guide to Financial Assistance Programs 2025

September 12, 2025

Tour of duty complete, now it’s time to conquer debt. Find out which veteran debt relief programs could help you.

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Does Debt Relief Cancel Credit Cards?
Does Debt Relief Cancel Credit Cards?

August 26, 2025

When you need debt relief, you might need to take a break from credit cards. Find out what could happen to your cards.

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How to rebuild financial confidence after debt relief
How to Rebuild Financial Confidence After Debt Relief

August 27, 2025

Debt relief can get your finances back on track, but you might need a little help to boost your money confidence.

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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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