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 My Social Security Be Garnished
Can Social Security Benefits Be Taken If You Have Unpaid Debt?

April 18, 2026

Are your Social Security benefits at risk if you don't pay creditors? See which benefits are protected from garnishment.

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How to Stop Credit Card Collection Calls
How to Stop Credit Card Collection Calls

April 11, 2026

Tired of constant collection calls? Here's how to get them to stop, and when it’s a good idea.

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Pros and cons of debt consolidation
Pros and Cons of Debt Consolidation

April 11, 2026

When it’s a good fit, debt consolidation can be great for getting just one monthly debt payment. Here’s how it works.

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This One Big Life-Changing Adventure Could Help You Get Out of Debt Fast
This One Big Life-Changing Adventure Could Help You Get Out of Debt Fast

April 11, 2026

Tired of paying for the high cost of living in America? See how you can get out of debt faster by moving abroad.

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What Do You Do When You Can't Pay Your Bills
What to Do When You Can’t Pay Your Bills

April 11, 2026

Are you struggling to pay your bills—or unable to pay them at all? Here’s what to do, step by step.

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Is Your Debt Relief Company Legit?
Is Your Debt Relief Company Legit?

April 11, 2026

Wondering if a debt relief company will help or harm? Here’s how to know if you’ve found a legit one.

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Government Building
How Can I Find Government Credit Card Debt Relief Programs?

April 11, 2026

Ads about government credit card relief may be a sham, but don't worry. There are plenty of other options.

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What Can Debt Collectors Do
What Can Debt Collectors Do?

April 11, 2026

Debt collectors have to follow laws when they contact you. Here's what they can and can’t do, and how to follow up.

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How to Feel Rich During the Holidays Without Going Into Debt
How to Enjoy the Holidays Without Debt

April 10, 2026

Even if you don’t make a ton of money, you can still feel rich during…

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How to get out of credit card debt fast
How to Get Out of Credit Card Debt Fast

April 10, 2026

Nothing beats the feeling of getting rid of credit card debt. Here are six fast ways to do it.

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