
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.
March 4, 2026
Have debts you can’t pay? Don't let it cost you your tax refund.
Read moreMarch 9, 2026
Want to be a full-time content creator? A financial plan could help you lock in the influencer lifestyle and avoid debt.
Read moreApril 4, 2026
Buy now, pay later plans make it easy to pay for stuff over time. But what are they doing to your credit?
Read moreApril 1, 2026
Maxing-out credit cards? Higher credit utilization could lower your credit score. See if you might need debt relief.
Read moreMarch 5, 2026
If you’re worried about your tax refund being seized, we’ll show you how to avoid garnishment.
Read moreApril 3, 2026
Owe money to a gym? Don't get caught in a collections trap for unpaid membership fees.
Read moreMarch 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.
Read moreApril 3, 2026
Are your federal student loans in default? See how to avoid wage garnishment based on new details from January 2026.
Read moreOctober 8, 2026
Holiday debt sneaks up fast. These debt-free holiday tips help you shop, save, and skip it this year.
Read moreMarch 13, 2026
Dealing with unmanageable debt? Debt relief could be the right move—if you qualify. See how to qualify and next steps.
Read more




