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.

3 Things Active Military Should Know about Debt and Finances
8 Things Active-Duty Military Should Know About Debt and Finances

March 13, 2026

Debt is common, whether you’re in the military or not. But military members have some great ways to get help.

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

March 13, 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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How to Negotiate a Debt Settlement
How to Negotiate Your Credit Card Debt

February 14, 2026

Here are the professional tips you need to succeed at credit card debt negotiation.

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Can I Get a Debt Consolidation Loan Without a Job?
Can I Get a Debt Consolidation Loan Without a Job?

February 14, 2026

You might qualify for a debt consolidation loan even without a job. Here’s how it works.

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Balance Transfer vs. Consolidation Loan
Balance Transfer vs. Consolidation Loan

February 14, 2026

Looking for a way to manage multiple debts? Here’s how a balance transfer or consolidation loan could help.

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10 Ways to Clean Up Your Finances
10 Ways to Clean Up Your Finances

February 14, 2026

Start the year off right with our 10 favorite money tips, from maxing out your…

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Can You Inherit Credit Card Debt?
Can You Inherit Credit Card Debt?

February 14, 2026

It’s possible to inherit someone else’s credit card debt. Find out if any of the reasons might apply to you.

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Reducing Expenses During a Sudden Financial Hardship
Reducing Expenses During a Sudden Financial Hardship

February 14, 2026

Struggling to keep up with your debt payments? A financial hardship assistance program could be just what you need.

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Emergency loans for bad credit
Can You Get An Emergency Loan With Bad Credit?

February 14, 2026

Sometimes you need money in a hurry. But bad-credit loans can be bad news. Consider these better options.

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What Happens When a Credit Card Goes to Collections
What Happens When a Credit Card Goes to Collections?

March 13, 2026

Got a credit card collections call? You're not alone. Here's how to handle it.

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