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.

Recovering from a Contractor Gone Wrong…Without Bankruptcy
Recovering from a Contractor Gone Wrong…Without Bankruptcy

April 3, 2026

When a contractor takes you for a ride, you have options to fix your finances. Find out more.

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How to Cope and Consolidate Your Credit Card Debt When Unemployed
How to Handle Credit Card Debt When Unemployed: 7 Proven Strategies [2025 Guide]

April 3, 2026

Unemployment can throw a wrench in your financial plans. Debt relief could help you get back on your feet.

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SBA debt relief
How to Settle SBA Loan Debt: Complete Guide to Debt Relief Options

April 3, 2026

It's possible to settle your SBA loans. Here's how to get started.

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Is 600 A Good Credit Score
Is a 600 Credit Score Bad?

April 3, 2026

While a 600 credit score isn't bad, you can improve it to earn more access to credit and cheaper interest rates.

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Is an authorized user responsible for debt
Is An Authorized User Responsible For Debt?

April 3, 2026

Authorized users aren't usually responsible for debt, but there are a few exceptions. Learn when you need to pay.

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Financial Emergency
Emergency Funds: Everything You Need to Know to Prepare Yourself for a Financial Emergency

April 3, 2026

Building an emergency fund is one of the best decisions you'll ever make for your finances.

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Is a Balance Transfer a Good Idea
Is a Balance Transfer a Good Idea?

March 29, 2026

A balance transfer could potentially make your interest disappear. But are they really a good idea? Find out now.

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I Went From Late Payments to an 810 Credit Score. Here's How
I Went From Late Payments to an 810 Credit Score. Here's How

March 29, 2026

Can you move from late payments to excellent credit? Absolutely. Here's how I did it.

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Can the Lender Change the Interest Rate on My Personal Loan?
Can the Lender Change the Interest Rate on My Personal Loan?

March 29, 2026

If you’re wondering about the possibility of a rate hike on your personal loan, here’s what you need to know.

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How Do You Get Out of Debt With No Money
How Do You Get Out of Debt With No Money?

March 29, 2026

Getting rid of debt with no money is a serious challenge. Our guide explains what your options are.

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