
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.
March 11, 2026
Getting around fear of debt can be key to financial thriving. Here’s how to move past it.
Read moreMarch 11, 2026
A lower debt-to-income ratio could help you get a loan and manage your bills more easily. Here’s how to get one.
Read moreMarch 11, 2026
Filing early is the best way to fast-track your tax refund and thwart would-be thieves. Learn more.
Read moreMarch 11, 2026
Creditors can’t come after you forever. Their power has an expiration date called the statute of limitations.
Read moreMarch 10, 2026
Legitimate debt relief companies exist—but so do scammers. Here's how to tell the difference.
Read moreMarch 10, 2026
Bad credit doesn't have to stop you from getting debt relief. Check out your options here.
Read moreMarch 10, 2026
You can bounce back from a credit card charge-off. Here's how to get started.
Read moreMarch 10, 2026
Can’t cover credit card minimum payments? Here are your options for dealing with debt you can't pay.
Read moreMarch 11, 2026
Wage garnishment can reduce your paychecks. Here’s how a creditor does it, and what you could do in response.
Read moreMarch 11, 2026
Credit card issuers can raise your interest rate, but there are rules they need to follow. Find out more.
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