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 Debt Collectors Take Your Tax Refund?
Can Debt Collectors Take Your Tax Refund?

March 4, 2026

Have debts you can’t pay? Don't let it cost you your tax refund.

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Debt Payoff Stories from Instagram Influencers
Debt Payoff Stories from Instagram Influencers

March 9, 2026

Want to be a full-time content creator? A financial plan could help you lock in the influencer lifestyle and avoid debt.

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Buy Now, Pay Later Credit Reporting: How Does It Work?
Buy Now, Pay Later Credit Reporting: How Does It Work?

April 4, 2026

Buy now, pay later plans make it easy to pay for stuff over time. But what are they doing to your credit?

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Why Does Higher Credit Utilization Decrease Your Credit Score?
Why Does Higher Credit Utilization Decrease Your Credit Score?

April 1, 2026

Maxing-out credit cards? Higher credit utilization could lower your credit score. See if you might need debt relief.

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Can Collection Agencies Take Your Tax Refund
Can Collection Agencies Take Your Tax Refund?

March 5, 2026

If you’re worried about your tax refund being seized, we’ll show you how to avoid garnishment.

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Debt Collection for Gym Membership
Debt Collection for Gym Membership

April 3, 2026

Owe money to a gym? Don't get caught in a collections trap for unpaid membership fees.

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What’s a Good Debt-to-Income Ratio?
How to Lower Your Debt-to-Income Ratio

March 11, 2026

A lower debt-to-income ratio could help you get a loan and manage your bills more easily. Here’s how to get one.

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What to do if you're subject to wage garnishment for student loan debt
Garnishing Wages for Student Loans Is On Hold: What Does It Mean for You

April 3, 2026

Are your federal student loans in default? See how to avoid wage garnishment based on new details from January 2026.

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Stay Debt Free This Holiday Season
Stay Debt Free This Holiday Season

October 8, 2026

Holiday debt sneaks up fast. These debt-free holiday tips help you shop, save, and skip it this year.

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Debt Relief Qualifications
How to Qualify for Debt Relief

March 13, 2026

Dealing with unmanageable debt? Debt relief could be the right move—if you qualify. See how to qualify and next steps.

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