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 Dispute an Error on Your Credit Report
How to Dispute Your Credit Report

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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Credit card debt forgiveness for disabled
Credit Card Debt Forgiveness for Disabled Individuals: Complete Guide [2025]

May 12, 2026

There’s a good chance your disability income is safe from creditors, even if they win a judgment against you.

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How much does bankruptcy cost?
How Much Does Bankruptcy Cost?

May 12, 2026

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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Open Enrollment 2021: Do You Need an HSA?
Do You Need an HSA?

May 12, 2026

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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How to use hardship programs to temporarily suspend credit card payments
Can You Pause Credit Card Payments? Understanding Forbearance and Hardship Programs

May 12, 2026

Credit card hardship and forbearance programs might help you catch up on debt payments. Here’s how they work

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Access to Banking: What Does Underbanked Mean?
Access to Banking: What Does Underbanked Mean?

May 12, 2026

Being underbanked can be expensive and time-consuming. Here's how to access more mainstream financial services.

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Buying a Home in My 20s Was a Financial Disaster—Here’s How I Recovered
Buying a Home in My 20s Was a Financial Disaster—Here's How I Recovered

May 12, 2026

Even if home-buying messes up your finances, you can recover. Here’s how.

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Should you make multiple CC payments in a month
Should You Make Multiple Credit Card Payments in a Month?

May 12, 2026

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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When You Need Quick Cash, Run Away From These Red Flags as Fast as You Can
When You Need Quick Cash, Run Away From These Red Flags as Fast as You Can

May 12, 2026

Hidden fees, exorbitant interest rates, and high-pressure sales tactics—oh my! Avoid these lender red flags.

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Credit counselor works with client
How Much Does Credit Counseling Cost?

May 12, 2026

Credit counseling could help you but it’s usually not free. Learn more here.

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