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 Do You Know When Your Debt is Too Big to Try to Repay in Full?
How Do You Know When Your Debt is Too Big to Try to Repay in Full?

May 11, 2026

When you’re drowning in debt, there’s a lifesaver to grab. Here are your options when your debt is too big.

Read more
Here’s Your Secret Credit-Rebuilding Weapon After Debt Relief
Here’s Your Secret Credit-Rebuilding Weapon After Debt Relief

May 11, 2026

Got the credit score blues? Chin up—we’ll share our favorite secret weapon for building a higher credit score.

Read more
How much can you usually settle a debt for
How Much Can You Usually Settle a Debt For?

May 11, 2026

Debt settlement could help you significantly reduce your debt and put it behind you. Find out how much you could offer.

Read more
6 Ways to Plan for a Debt-Free Holiday
The Gift of Financial Freedom—How to Avoid Holiday Debt

May 12, 2026

It’s the most wonderful—and expensive—time of year. Here’s how to stay out of holiday debt.

Read more
How Do You Get Out of Debt With No Money
How Do You Get Out of Debt With No Money?

May 11, 2026

Getting rid of debt with no money is a serious challenge. Our guide explains what your options are.

Read more
Things to Do ASAP When You're Overwhelmed with Debt
3 Things to Do ASAP When You're Overwhelmed with Debt

May 11, 2026

Getting out of debt is possible. Here's a step-by-step guide to taking control of your finances.

Read more
4 Things to Do If You Can't Pay Your Bills
4 Things to Do If You Can't Pay Your Bills

May 11, 2026

Not being able to pay your bills is scary, but you can take action. Start with these tips.

Read more
Auto Loan Debt Relief
Auto Loan Debt Relief: How It Works and Who It's Right For

May 11, 2026

Auto loan debt relief could help you get back on stable financial footing. Learn more about the five top strategies.

Read more
Does Debt Relief Hurt Your Credit?
Does Debt Relief Hurt Your Credit?

May 11, 2026

Will debt relief hurt your credit? We’ve got tips on how to prepare for credit impacts while getting rid of debt.

Read more
How to Settle Debt with Creditors
How to Settle Debt With Creditors

May 11, 2026

If you have unsecured debt that’s become overwhelming, debt settlement could be a way to get rid of it. Here's how.

Read more