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.

How to create a bare-bones budget when you're in debt
How to Create a Bare-Bones Budget When You’re in Debt

April 18, 2026

Want to stop overspending? Learn how to create a bare-bones budget.

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What happens if you stop paying your bills?
What Happens If You Stop Paying Your Bills?

April 18, 2026

Financial hardship can put you behind on bills and spell trouble for your credit. Here's how to get back on track.

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How to get back on track after missing debt payments
How to Get Back on Track After Missing Debt Payments

April 18, 2026

You can recover after falling behind on debt payments. We’ll show you how to get back on track.

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What Is High-Interest Debt?
What Is High-Interest Debt?

April 18, 2026

High-interest debt can cost you a lot, quickly. Here’s what to do about it.

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Can I Take a Hardship Withdrawal for Credit Card Debt?
Can I Take a Hardship Withdrawal for Credit Card Debt?

April 18, 2026

No need to take a hardship withdrawal or 401(k) loan to pay off credit card debt. We’ll show you proven debt strategies.

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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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What’s the Difference Between Furlough, Layoff, and Termination?
Furlough vs Layoff vs Termination: What's the Difference?

April 20, 2026

Furlough, layoff, and termination may sound the same, but the differences are key. Here’s what they mean.

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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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