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 It Hurt Your Credit to Close a Credit Card?
Does It Hurt Your Credit to Close a Credit Card? Here's What Happens

October 25, 2026

Closing a credit card could lower your credit score. We’ll show you the pros and cons so you can make a good decision.

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What Happens to Your Debt When You Go to Jail
What Happens to Your Debt When You Go to Jail?

October 25, 2026

Just because you're in jail doesn't mean your debt disappears. Here's what you need to know.

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How Does a 401(k) Loan Work for Paying off Debt?
How Does a 401(k) Loan Work for Paying off Debt?

October 25, 2026

Struggling with high-interest debt? A 401(k) loan could help you pay it off—but know the risks.

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How to Lower Credit Utilization
How to Lower Credit Utilization

October 25, 2026

High or low? If you want a higher credit score, you need a lower credit utilization ratio. Learn how to get there.

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What Is the Debt Avalanche Method?
What Is the Debt Avalanche Method?

October 25, 2026

The avalanche, snowball, and blizzard methods all help you knock out debt fast. Get the 411 on which is right for you.

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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

October 25, 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

October 25, 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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Survey: 54% of Americans Can’t Handle a $500 Expense
How to Handle an Unexpected $500 Bill

October 24, 2026

We surveyed more than 2,000 Americans on their financial situation and learned that 54% of…

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Survey: More Women Than Men Are Stressed About Debt
Survey: More Women Than Men Are Stressed About Debt

October 24, 2026

A survey from Freedom Debt Relief suggests that women tend to feel worse about debt…

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What Can Debt Collectors Do
What Can Debt Collectors Do?

October 25, 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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