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

January 24, 2026

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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Debt Settlement vs. Debt Consolidation
Debt Relief vs. Debt Consolidation: Pros and Cons

January 24, 2026

Change HOW you pay with debt consolidation, and how MUCH you pay with debt settlement. Learn the pros and cons here.

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What to Do When Your Spouse Loses Their Job
What to Do When Your Spouse Loses Their Job: A Complete Guide

January 25, 2026

Losing a job could throw your spouse and finances for a loop. Here’s how to cope.

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man on mountain top
Perfect Credit: How to Get the Highest Credit Score

January 25, 2026

A perfect credit score of 850 makes every aspect of your financial life easier. Here's how to get there.

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Should You Borrow Money from Friends and Family in Hard Times?
Should You Borrow Money from Friends and Family in Hard Times?

January 25, 2026

Borrowing money from friends and family can be tricky, but doable if you and your…

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Tips to Defend Yourself Against Zombie Debt
Tips to Defend Yourself Against Zombie Debt

January 25, 2026

Sometimes debt comes back from the grave. Find out how to keep zombie debt from haunting your finances.

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Should You Start a 529 Plan?
Should You Start a 529 Plan?

January 25, 2026

Should you start a 529 plan? A 529 plan can help you save for college…

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Should a Credit Card Serve as Your Emergency Fund?
Should a Credit Card Serve as Your Emergency Fund?

January 26, 2026

An emergency fund keeps you covered when there are surprises. Here’s why a savings account is safer than a credit card.

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Will My Collection Accounts Ruin My Spouse’s Credit Score?
Will My Collection Accounts Ruin My Spouse’s Credit Score?

January 26, 2026

Your credit score only belongs to you—but how you handle credit could affect your spouse. Here’s how.

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Raise Credit Score by 100 Points Overnight
Can You Raise Your Credit Score 100 Points Overnight?

January 26, 2026

You might be surprised at how quickly your credit score could jump. Here are a few moves that could get you big points fast.

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