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.

Pros and cons of debt consolidation
Pros and Cons of Debt Consolidation

March 2, 2026

When it’s a good fit, debt consolidation can be great for getting just one monthly debt payment. Here’s how it works.

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This One Big Life-Changing Adventure Could Help You Get Out of Debt Fast
This One Big Life-Changing Adventure Could Help You Get Out of Debt Fast

March 4, 2026

Tired of paying for the high cost of living in America? See how you can get out of debt faster by moving abroad.

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What Do You Do When You Can't Pay Your Bills
What to Do When You Can’t Pay Your Bills

March 4, 2026

Are you struggling to pay your bills—or unable to pay them at all? Here’s what to do, step by step.

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Is Your Debt Relief Company Legit?
Is Your Debt Relief Company Legit?

March 14, 2026

Wondering if a debt relief company will help or harm? Here’s how to know if you’ve found a legit one.

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Government Building
How Can I Find Government Credit Card Debt Relief Programs?

March 4, 2026

Ads about government credit card relief may be a sham, but don't worry. There are plenty of other options.

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What Can Debt Collectors Do
What Can Debt Collectors Do?

March 4, 2026

Debt collectors have to follow laws when they contact you. Here's what they can and can’t do, and how to follow up.

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How to Feel Rich During the Holidays Without Going Into Debt
How to Enjoy the Holidays Without Debt

March 4, 2026

Even if you don’t make a ton of money, you can still feel rich during…

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How to get out of credit card debt fast
How to Get Out of Credit Card Debt Fast

March 4, 2026

Nothing beats the feeling of getting rid of credit card debt. Here are six fast ways to do it.

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How to Lower Credit Utilization
How to Lower Credit Utilization

March 4, 2026

High or low? If you want a higher credit score, you need a lower credit utilization ratio. Learn how to get there.

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Does Debt Relief Hurt Your Credit?
Does Debt Relief Hurt Your Credit?

March 7, 2026

Will debt relief hurt your credit? We’ve got tips on how to prepare for credit impacts while getting rid of debt.

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