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.

Why Am I Getting Tax Debt Relief Calls
Why Am I Getting Tax Debt Relief Calls?

March 13, 2026

Tax debt relief calls aren't always a cause for concern. Here's what to do if you get one.

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Is Your Debt Relief Company Legit?
Is Your Debt Relief Company Legit?

October 8, 2026

Not all debt relief companies play by the rules. Here's how to spot the ones that do.

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

October 22, 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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Should you open a new credit card?
When Is the Right Time to Open a New Credit Card?

March 6, 2026

Follow these tips when opening a new credit card to save money, raise your credit score, and maximize your rewards.

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Does paying off credit card help credit score
Does Paying Off Credit Cards Help Your Credit Score?

March 6, 2026

Paying off your credit cards? Congrats! Here’s how that could impact your credit score for the better.

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Can Debt Collectors Call Your Family
Can Debt Collectors Call Family Members?

March 4, 2026

Debt collectors have to follow certain rules, including limits on what they can say to your family.

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Emergency loans for bad credit
Can You Get An Emergency Loan With Bad Credit?

March 14, 2026

Sometimes you need money in a hurry. But bad-credit loans can be bad news. Consider these better options.

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What Happens After a Credit Card Is Charged Off?
What Happens When Your Credit Card Is Charged Off?

March 10, 2026

You can bounce back from a credit card charge-off. Here's how to get started.

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Budget billing graphic
What Is Budget Billing? A Guide to How It Works

March 10, 2026

Skip the bill shock—budget billing keeps your utility payments steady month after month.

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