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.

Did Delinquent Student Loans Make Your Credit Score Plunge
Did Delinquent Student Loans Make Your Credit Score Plunge? Here's What to Do Next

January 30, 2026

Got delinquent federal student loans? You have options. See how to get back on track and get on with your life.

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7 Steps to Prepare For the Debt Settlement Process
7 Steps to Prepare For the Debt Settlement Process

January 30, 2026

Getting ready for the debt settlement process? Find tips for success here.

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Is a Debt Relief Program a Good Idea for You
Is a Debt Relief Program a Good Idea for You?

January 30, 2026

A debt relief program could help you get rid of your debt for less than you owe. But is the right move?

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3 Money Management Mistakes to Avoid
Money Management Mistakes to Avoid

January 30, 2026

If you feel like your finances are stuck in neutral, you might be making these common money management mistakes.

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Debt Relief Options
Credit Counseling vs. Debt Relief vs. Bankruptcy: Which Option Is Right for You? [2025 Guide]

January 30, 2026

When you’re drowning in debt, you have options. Learn how to choose the debt solution that fits best.

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Are Lawsuit Settlements Taxable?
Are Lawsuit Settlements Taxable?

January 30, 2026

Settling a lawsuit can be a major financial victory. Here’s when it may also involve paying taxes.

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Tax Debt Relief
How to Find Tax Debt Relief: IRS Programs and Consolidation Options

January 30, 2026

Both government and private tax debt relief exists, but which is better? Read on to see the options and how to choose.

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Now’s the Time to Deal with Holiday Debt – Here’s How
Now’s the Time to Deal with Holiday Debt—Here’s How

January 31, 2026

How do you get rid of your holiday debt and move to a healthier financial…

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9 Smart Ways to Save Money on Summer Vacation
10 Smart Ways to Save Money on Summer Vacation

January 31, 2026

With a little bit of planning, you can enjoy an awesome vacation and still stay…

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does-unemployment-affect-your-credit-score
Does Unemployment Affect Your Credit Score?

January 31, 2026

While unemployment doesn't directly hurt your credit, the fallout from it could. Here’s how to protect yourself.

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