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.

does-unemployment-affect-your-credit-score
Does Unemployment Affect Your Credit Score?

April 2, 2026

While unemployment doesn't directly hurt your credit, the fallout from it could. Here’s how to protect yourself.

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Ways to Pay Off Wedding Debt
Ways to Pay Off Wedding Debt

April 1, 2026

Don’t let lingering wedding debt fester. Here are four ways to pay it off.

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Can You Go To Jail For Credit Card Debt
Can You Go To Jail For Credit Card Debt?

April 1, 2026

There’s no debtors' prison, but debt could lead to other trouble. Learn how to avoid courtrooms and judges.

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Why Dealing with Debt Isn’t as Scary as You Think
Why Dealing with Debt Isn’t as Scary as You Think

April 2, 2026

Debt gets less scary when you start tackling it. We’ll show you how.

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Refinance Credit Card Debt
How to Refinance Credit Card Debt

April 1, 2026

Find out how to save money and make payments easier to manage by refinancing credit card debt.

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

March 7, 2026

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

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Do You Really Need a 20% Down Payment?
Do You Really Need a 20% Down Payment?

April 2, 2026

Don’t buy into the 20% down payment myth. There are other options, and some may be right for you.

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What is the Fair Debt Collection Practices Act - FDCPA
What Is the Fair Debt Collection Practices Act - FDCPA?

April 3, 2026

You’ve got leverage—you can sue debt collectors who don’t follow the rules. Read up on the details.

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Best Ways to Get Debt Relief
Best Ways to Get Debt Relief

April 3, 2026

Help yourself get out of debt with these lifestyle changes and better money management.

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Lowest Credit Score
What Is the Lowest Credit Score?

April 3, 2026

While very rare, the lowest possible credit score is 300. However, any credit score under 500 is low and under 580 is sub-prime.

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