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.

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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What to Do if a Debt Collector Calls You for Someone Else's Debt
What to Do if a Debt Collector Calls You for Someone Else's Debt

March 12, 2026

Debt collectors have to follow certain rules. Here’s what to do if you’re contacted for a debt you never racked up.

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401k loan to pay off credit card debt
Use a 401(k) Loan to Pay Off Credit Card Debt?

March 10, 2026

See the pros and cons of using a 401(k) loan to pay off credit card debt, plus possible alternatives.

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What Is a Pay-for-Delete Agreement?
What Is a Pay-for-Delete Agreement?

March 8, 2026

No one wants negative information on their credit report. Can pay-for-delete really help you get rid of it?

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Is Making Multiple Payments on Credit Cards Bad?
Is Making Multiple Payments on Credit Cards Bad?

October 23, 2026

Splitting up card payments might help the budget, but is there a downside? Here's what happens with multiple payments.

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Financial Red Flags in Relationships
3 Financial Red Flags in Relationships

March 5, 2026

Want to strengthen your shared financial health with your partner? Avoid these financial red flags in relationships.

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How long does it take to garnish a bank account
Can My Bank Account Be Garnished Without Notice?

March 3, 2026

Learn how and why money could be taken from your bank account, and what you can do about it.

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

October 7, 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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4 Simple Ways to Improve Your Finances in 2019
4 Simple Ways to Improve Your Finances

March 7, 2026

Many people want to get financially healthy this year. If you're wondering how to improve…

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Best Apps to Help Pay Off Student Loans Faster
Best Apps to Help Pay Off Student Loans Faster

March 15, 2026

Overdue on student loans? Need to pay off debt? These student loan apps can help get rid of debt faster.

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