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.

Could Zombie Foreclosure Happen to You?
Could Zombie Foreclosure Happen To You? Don't Make This One Big Mistake

March 5, 2026

Have an old unpaid second mortgage? You might hear from debt collectors. See how to avoid zombie foreclosure.

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Snowball vs. Avalanche Method
Snowball vs. Avalanche Method: Your Total Cost

March 5, 2026

The debt snowball approach focuses on psychology not math, but how big is the cost of choosing it over alternatives?

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What Happens if You Don't Pay Your Student Loans?
What Happens If You Don’t Pay Your Student Loan?

March 5, 2026

Student loans don’t just go away if you ignore them. See what happens if you don’t pay your student loan.

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Cheap Christmas Ideas That Capture the Holiday Joy
Cheap Christmas Ideas That Capture the Holiday Joy

March 5, 2026

Want to avoid overspending this holiday season? Check out these cheap Christmas ideas that capture the holiday joy.

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Why Did My Credit Score Drop
Why Did My Credit Score Drop?

March 5, 2026

Wondering “Why did my credit score drop”? You’re not alone. See the biggest reasons why credit scores go up or down.

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Is debt consolidation a good idea?
Is Debt Consolidation a Good Idea?

March 6, 2026

Debt consolidation could make your debt burden easier to handle. Decide if it’s an option for your situation.

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Does paying off credit card help credit score
Does Paying Off Your Credit Cards Help Your Credit Score?

March 6, 2026

Paying off your credit cards? Congrats! Here’s how that could impact your credit score for the better.

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Can you cancel a debt settlement contract?
Can You Cancel a Debt Settlement Contract?

March 7, 2026

Yes, you can get out of a debt settlement contract. These are the common mistakes to avoid.

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Debt Consolidation Methods
Debt Consolidation Methods

March 5, 2026

Consolidating your debt could simplify your debt payments. Learn more about the most common debt consolidation methods.

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