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.

Options If You Can't Pay Credit Card Minimum Payments
Options If You Can’t Pay Credit Card Minimum Payments

March 27, 2026

Can’t cover credit card minimum payments? Here are your options for dealing with debt you can't pay.

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What Is Wage Garnishment?
What Is Wage Garnishment?

March 27, 2026

Wage garnishment can reduce your paychecks. Here’s how a creditor does it, and what you could do in response.

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When Can a Credit Card Issuer Change My Interest Rate
When Can a Credit Card Issuer Change My Interest Rate?

March 24, 2026

Credit card issuers can raise your interest rate, but there are rules they need to follow. Find out more.

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This Is the One Thing You Should Never Do When You're Dealing with Debt
This Is the One Thing You Should Never Do When You're Dealing with Debt

March 24, 2026

When you need a fistful of cash to fix a financial problem, there’s one cookie jar you shouldn’t reach into.

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How Do You Know When Your Debt is Too Big to Try to Repay in Full?
How Do You Know When Your Debt is Too Big to Try to Repay in Full?

March 24, 2026

When you’re drowning in debt, there’s a lifesaver to grab. Here are your options when your debt is too big.

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Forget $5 Coffees
Forget $5 Coffees. Here's How to Save Big Money and Slash Your Debt

March 24, 2026

Cutting back on coffee could help you get out of debt. But here’s how to make even bigger moves.

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Can You Inherit Debt?
Can You Inherit Debt?

March 23, 2026

You almost never inherit debt. Only a few rare situations make you responsible for someone else’s bills.

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4 Bad Ways to Pay Off Debt
7 Bad Ways to Pay Off Debt (and What to Do Instead)

March 23, 2026

Trying to decide what to do about your debt? Check out these bad debt payoff methods so you know what not to do.

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What Are the Signs I Should File for Bankruptcy?
What Are the Signs I Should File for Bankruptcy?

March 23, 2026

When debt creeps up on you, bankruptcy is one option. Keep reading to learn more about bankruptcy and its alternatives.

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Why You Should Have a Will, Even if You’re Not Rich
Why You Should Have a Will, Even if You’re Not Rich

March 23, 2026

A will is an essential legal document that you need, even if you’re not rich.…

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