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.

Credit counselor works with client
How Much Does Credit Counseling Cost?

January 6, 2026

Credit counseling could help you but it’s usually not free. Learn more here.

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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 5, 2026

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

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Do Credit Card Issuers Have to Tell You When They Close Your Account
Do Credit Card Issuers Have to Tell You When They Close Your Account?

January 4, 2026

Credit card declined? It could be a reader error—or your account could have been closed. Here's how to handle it.

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Here’s Your Secret Credit-Rebuilding Weapon After Debt Relief
Here’s Your Secret Credit-Rebuilding Weapon After Debt Relief

January 2, 2026

Got the credit score blues? Chin up—we’ll share our favorite secret weapon for building a higher credit score.

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Open Enrollment 2021: Do You Need an HSA?
Do You Need an HSA?

January 7, 2026

An HSA could lower your taxes while helping you avoid medical debt. Read on to see if an HSA is right for you.

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Is Marriage Good for Your Financial Health?
Is Marriage Good for Your Financial Health?

January 4, 2026

Marriage is about a strong relationship, but can it be about strong finances too? Learn…

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When Can You Use a Credit Card Forbearance Program?
Credit Card Forbearance: Your Complete Guide to Pausing Payments in 2025

January 18, 2026

Credit card forbearance can offer temporary relief when you’re struggling. Find out more about how a forbearance program can get you back on your feet.

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Credit Card Debt Lawyer
Getting a Lawyer for Credit Card Debt: Fees and When It’s Worth It

December 30, 2025

Debt lawyers specialize in law concerning the collection of debt. If you loan money to someone, you may use a debt lawyer to file a lawsuit to collect it.

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Which debt should I pay off first?
Which Debt Should I Pay Off First?

January 1, 2026

A road trip starts with figuring out the route, and the same is true for your debt payoff journey.

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What Happens If You’re Deep in Debt But Still Have Good Credit?
What Happens If You’re Deep in Debt But Still Have Good Credit?

December 31, 2025

Getting debt help might tank your credit score. But being debt-free is still worth it—you can rebuild your credit.

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