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.

Tax Debt Relief
How to Find Tax Debt Relief: IRS Programs and Consolidation Options

December 11, 2025

Both government and private tax debt relief exists, but which is better? Read on to see the options and how to choose.

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Credit card debt forgiveness for disabled
Credit Card Debt Forgiveness for Disabled Individuals: Complete Guide [2025]

December 13, 2025

There’s a good chance your disability income is safe from creditors, even if they win a judgment against you.

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10 Holiday Shopping Debt Traps You Need to Avoid
10 Holiday Shopping Debt Traps You Need to Avoid

December 9, 2025

Far too many people end up with holiday debt regrets, but you can avoid them with careful budgeting and smart shopping.

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5 Unexpected legal outcomes of ignoring credit card debt
5 Unexpected Legal Outcomes of Ignoring Credit Card Debt

December 4, 2025

Learn what might happen if you ignore your credit card debt, and the best ways to handle it.

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

December 12, 2025

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

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Couple with student debt
Do Student Loans Affect My Credit Score?

December 4, 2025

Student loans could have an impact on your credit score for better and worse. Here’s the scoop.

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Are Lawsuit Settlements Taxable?
Are Lawsuit Settlements Taxable?

December 11, 2025

Settling a lawsuit can be a major financial victory. Here’s when it may also involve paying taxes.

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Does Eviction Protection Still Apply to You?
How to Pay Off Eviction Debt: A Complete Guide to Resolving Apartment Debt

December 14, 2025

Eviction debt can make it hard to find a rental and affect your credit. Learn how to pay it off and get back on track.

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Person paying bills using calculator and laptop
6 Ways to Work Toward Financial Freedom in 2025

December 4, 2025

You have the power to find financial freedom and set yourself up for success. Here’s how.

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Is Student Loan Debt Forgiveness Coming?
Is Student Loan Debt Forgiveness Coming?

December 2, 2025

While President-elect Biden has expressed strong support for student debt forgiveness, there are still a…

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