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.

IRS scam phone call
IRS Scam? The Tax Debt Compromise Program Phone Call

April 20, 2026

Got a robocall about settling tax debt? Learn the difference between legit IRS programs and costly tax relief scams.

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How to Prepare for a Recession If You are Already Struggling
How to Prepare for a Recession If You Are Already Struggling

March 18, 2026

How do you prepare for a recession when you already struggle financially? Even in tough…

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How to protect yourself in a recession
Recession Preparation: How Can You Protect Yourself?

March 18, 2026

Yes; the U.S. entered a recession in 2022. Learn how to protect your finances, what to do and not do in a recession.

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Can You Settle a Deficiency Balance After Auto Repossession
Can You Settle a Deficiency Balance After Auto Repossession?

May 1, 2026

Repossession can leave you without a car, but you don't have to be stuck with leftover debt from a deficiency balance.

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How to Manage Debt as a Freelancer or Gig Worker
How to Manage Debt as a Freelancer or Gig Worker

May 1, 2026

Looking for tips on how to manage debt as a freelancer? Here are some strategies that can make debt management easier.

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Should I Consolidate My Debt?
Should I Consolidate My Debt?

May 1, 2026

Debt consolidation could be the solution you need, or it could be trouble in disguise. Learn if it's right for you.

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7 Things Most People Don't Understand About Debt Settlement
7 Things Most People Don't Understand About Debt Settlement

May 1, 2026

There are often misconceptions about debt settlement. Here's the truth about how it works.

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What Do Fed Rate Cuts Mean? Will My Loan Get Cheaper?
What Do Fed Rate Cuts Mean? Will My Loan Get Cheaper?

May 1, 2026

Wondering what the Fed's rate cuts have to do with your loans? Here's the scoop.

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Can Medical Bills Go To Collections?
Can Medical Bills Go To Collections?

May 1, 2026

Unpaid medical bills can go to collections. Here's how to handle it.

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Debt Relief for Nurses
Debt Relief for Nurses

May 1, 2026

Got debt stress to go with the demands of nursing? Here’s how you can get debt under control.

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