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

February 27, 2026

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

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10 Holiday Shopping Debt Traps You Need to Avoid
10 Holiday Shopping Debt Traps You Need to Avoid

March 26, 2026

Far too many people end up with holiday debt regrets, but you can avoid them with careful budgeting and smart shopping.

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Is Debt Settlement Worth It?
Is Debt Settlement Worth It?

February 27, 2026

Debt settlement could be a powerful debt relief tool. Here's how to know whether it's the right option for you.

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

February 28, 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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Can I Surrender My Car If I Can't Afford the Loan?
Can I Surrender My Car If I Can’t Afford the Loan?

March 12, 2026

Can’t pay your auto loan? You don’t have to wait for the repo man. Learn how to decide whether to surrender your car.

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After The Holidays: Hardcore Ways to Get Your Budget Back on Track
After the Holidays: Hardcore Ways to Get Your Budget Back on Track

March 27, 2026

You can recover from holiday overspending and ditch your debt. Find out how to get your budget back on track.

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

February 28, 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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Who Really Pays for COBRA?
Who Really Pays for COBRA?

March 26, 2026

Changing jobs? You might get COBRA health insurance. But it can be costly. Learn more about who pays for COBRA coverage.

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Does Paying Off Debt Improve Your Credit Profile?
Does Paying Off Debt Improve Your Credit Profile?

March 27, 2026

Many people who have debt problems often suffer from a bad credit profile as well.…

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Beyond Coupons: How to Save Money Shopping
Beyond Coupons: How to Save Money Shopping

March 27, 2026

Want to save money shopping? Check out these creative ways…

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