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.

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

January 21, 2026

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

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What is an Economic Injury Disaster Loan?
What Is an Economic Injury Disaster Loan?

January 21, 2026

Struggling after a federally declared disaster? An Economic Injury Disaster Loan (EIDL) could be just what you need.

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What’s the Difference Between Furlough, Layoff, and Termination?
What’s the Difference Between Furlough, Layoff, and Termination?

January 21, 2026

Furlough, layoff, and termination may sound the same, but the differences are key. Here’s what they mean.

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How to Talk to Your Partner About Shared Debt
How to Talk to Your Partner About Shared Debt

January 21, 2026

Here’s how to talk about debt with your partner so you can work together to conquer it.

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5 Unexpected legal outcomes of ignoring credit card debt
5 Unexpected Legal Outcomes of Ignoring Credit Card Debt

January 21, 2026

Learn what might happen if you ignore your credit card debt, and the best ways to handle it.

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Five Facts About Debt Collector Calls You Need to Know
Ten Facts About Debt Collector Calls You Need to Know

January 21, 2026

Don’t let debt collectors catch you off guard. Our guide covers everything you need to know when a debt collector calls.

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How to save the most money when consolidating debt
How to Save the Most Money When Consolidating Debt

January 21, 2026

Debt consolidation could help you pay down what you owe faster and potentially keep more money in your pocket.

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5 Ways to Get Rid of Debt Stress
5 Ways to Get Rid of Debt Stress

January 21, 2026

Does thinking about your debt cause you anxiety or keep you up at night? Try these tips to manage debt stress.

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3 Expert Tips for Raising Financially Responsible Kids
3 Expert Tips for Raising Financially Responsible Kids

January 21, 2026

Raising financially responsible kids is the goal of many parents. Learn three expert tips on…

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Defensive Strategies in Court for Credit Card Debt Lawsuits
Defensive Strategies in Court for Credit Card Debt Lawsuits

January 21, 2026

Learn about your options—from legal defenses to debt relief—if you’re facing a credit card lawsuit.

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