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.

Can Collection Agencies Take Your Tax Refund
Can Collection Agencies Take Your Tax Refund?

March 5, 2026

If you’re worried about your tax refund being seized, we’ll show you how to avoid garnishment.

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Should You Borrow Money from Friends and Family in Hard Times?
Should You Borrow Money from Friends and Family in Hard Times?

March 21, 2026

Borrowing money from friends and family can be tricky, but doable if you and your…

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Is Credit Card Debt Settlement Worth the Credit Score Hit?
Is Credit Card Debt Settlement Worth the Credit Score Hit?

March 5, 2026

Debt settlement could be the right financial move, even if your credit score drops along the way.

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Which debt should I pay off first?
Which Debt Should I Pay Off First?

March 22, 2026

A road trip starts with figuring out the route, and the same is true for your debt payoff journey.

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Does Credit Utilization Matter if You Pay in Full?
Does Credit Utilization Matter If You Pay in Full?

March 8, 2026

You can pay off your full statement balance and still get dinged for credit utilization.

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What Is VantageScore
What Is VantageScore?

March 8, 2026

Lenders are looking at VantageScores more than ever before. Here’s what you need to know.

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The Statute of Limitations on Debt Has Passed. Now What?
The Statute of Limitations on Debt Has Passed. Now What?

March 8, 2026

The end of the statute of limitations could be a game-changer for your debt. Here’s how to handle it.

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Can Just One Spouse Sign Up for a Debt Settlement Program If the Other Is Unwilling
Can Just One Spouse Sign Up for a Debt Settlement Program If the Other Is Unwilling?

March 8, 2026

If you need a debt settlement program, here's what you need to know if your spouse is unwilling.

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Ways to Get Help With Vet Bills
5 Ways to Get Help With Vet Bills

March 8, 2026

Vet bills can break the bank, but there are ways to get help paying for pet care.

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How Long After Debt Settlement Can I Buy a House?
How Long After Debt Settlement Can I Buy a House?

March 8, 2026

Debt settlement won't end your homeownership dreams for good, but it might delay them a bit. Here's the deal.

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