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.

Taking Responsibility for Debt While Avoiding Bankruptcy
Taking Responsibility for Debt While Avoiding Bankruptcy

August 8, 2025

A North Carolina resident found success in paying off her debt with the Freedom Debt Relief program. Learn why she opted for debt relief over bankruptcy.

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3 Ways to Pay Off Holiday Credit Card Debt Fast
3 Ways to Pay Off Holiday Credit Card Debt Fast

July 30, 2025

It’s easy to find yourself swamped by debt, especially after the holidays. If you’re wondering…

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7 Smart Ways to Pay off Student Loans
9 Smart Ways to Pay off Student Loans

July 31, 2025

Learn how to pay off student loans in seven smart and effective ways that maximize…

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The Credit Card Sign Up Bonus: Too Good to Be True?
The Credit Card Sign-Up Bonus: Worth It?

July 30, 2025

Free money, or a way to lure you deeper into debt? Here is what you…

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5 Smart Ways to Spend Your 2020 Tax Refund
5 Smart Ways to Spend Your Tax Refund

July 30, 2025

There are so many things you can do with a tax refund, but what should…

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Is a Balance Transfer Card Harder to Get Right Now?
Is a Balance Transfer Card Harder to Get Right Now?

July 31, 2025

Due to the coronavirus financial crisis, lenders are making it harder to get a balance…

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What Happens To Credit Card Debt When You Die
What Happens to Unpaid Credit Card Debt After 7 Years? Your Complete 2025 Guide

August 11, 2025

Unpaid credit card debt may fall off your credit report in 7 years, but you may still have to pay it. Find out what your rights are.

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Should You Start a 529 Plan?
Should You Start a 529 Plan?

August 4, 2025

Should you start a 529 plan? A 529 plan can help you save for college…

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Survey: How Americans Spend Their Tax Refunds
Survey: How Americans Spend Their Tax Refunds

August 1, 2025

Freedom Debt Relief surveyed over 2,000 how they were planning to use their tax refund,…

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The True Cost of Helping Your Kid Pay for College
Meet Your Financial Goals and Still Help Your Kid Pay for College

August 1, 2025

Our recent survey revealed that helping your kid through college could cause you undue emotional,…

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