
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.
May 12, 2026
Errors on your credit report can hurt your score. Here's how to get rid of them fast.
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There’s a good chance your disability income is safe from creditors, even if they win a judgment against you.
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Filing for bankruptcy can cost very little—or hit your wallet hard. Here’s what you need to know about the costs.
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An HSA could lower your taxes while helping you avoid medical debt. Read on to see if an HSA is right for you.
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Credit card hardship and forbearance programs might help you catch up on debt payments. Here’s how they work
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Being underbanked can be expensive and time-consuming. Here's how to access more mainstream financial services.
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Even if home-buying messes up your finances, you can recover. Here’s how.
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Are you paying your credit card too often—or not often enough? Here's when to make one payment or multiple each month.
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Hidden fees, exorbitant interest rates, and high-pressure sales tactics—oh my! Avoid these lender red flags.
Read moreMay 12, 2026
Credit counseling could help you but it’s usually not free. Learn more here.
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