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.

Automated Debt Collection
What to Do About Automated Debt Collection Calls

March 13, 2026

Many debt collection agencies send automated debt collection messages. Find out what you can do about it.

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Debt Consolidation Without a Loan
Debt Consolidation Without a Loan

March 13, 2026

You can bundle and streamline debt payments without a debt consolidation loan. Here's how it’s done.

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Why Am I Getting Tax Debt Relief Calls
Why Am I Getting Tax Debt Relief Calls?

March 13, 2026

Tax debt relief calls aren't always a cause for concern. Here's what to do if you get one.

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Debt Consolidation Loan Requirements
Debt Consolidation Loan Requirements

March 13, 2026

Here’s what lenders look at when you apply for a debt consolidation loan.

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Debt Relief Qualifications
Debt Relief Qualifications

March 13, 2026

Dealing with unmanageable debt? Debt relief could be the right move—if you qualify. See how to qualify and next steps.

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

March 14, 2026

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

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

March 15, 2026

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

March 15, 2026

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

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Best Apps to Help Pay Off Student Loans Faster
Best Apps to Help Pay Off Student Loans Faster

March 15, 2026

Overdue on student loans? Need to pay off debt? These student loan apps can help get rid of debt faster.

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

March 15, 2026

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

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