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.

How to Understand and Conquer Financial Phobia
Fear of Debt

March 11, 2026

Getting around fear of debt can be key to financial thriving. Here’s how to move past it.

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What’s a Good Debt-to-Income Ratio?
How to Reduce Your Debt-to-Income Ratio

March 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.

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Should You File Your Taxes Early This Year?
Should You File Your Taxes Early This Year?

March 11, 2026

Filing early is the best way to fast-track your tax refund and thwart would-be thieves. Learn more.

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 statutes of limitation credit card
What’s the Statute of Limitations on Credit Card Debt? (Updated for 2025)

March 11, 2026

Creditors can’t come after you forever. Their power has an expiration date called the statute of limitations.

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Is Debt Relief Legit
Is Debt Relief Legit?

March 10, 2026

Legitimate debt relief companies exist—but so do scammers. Here's how to tell the difference.

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Debt Relief for Bad Credit
Debt Relief for Bad Credit

March 10, 2026

Bad credit doesn't have to stop you from getting debt relief. Check out your options here.

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What Happens After a Credit Card Is Charged Off?
What Happens After a Credit Card Is Charged Off?

March 10, 2026

You can bounce back from a credit card charge-off. Here's how to get started.

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Options If You Can't Pay Credit Card Minimum Payments
Options If You Can’t Pay Credit Card Minimum Payments

March 10, 2026

Can’t cover credit card minimum payments? Here are your options for dealing with debt you can't pay.

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What Is Wage Garnishment?
What Is Wage Garnishment?

March 11, 2026

Wage garnishment can reduce your paychecks. Here’s how a creditor does it, and what you could do in response.

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When Can a Credit Card Issuer Change My Interest Rate
When Can a Credit Card Issuer Change My Interest Rate?

March 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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