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 Do You Know When Your Debt is Too Big to Try to Repay in Full?
Drowning in Debt: It's Time to Explore Options

October 28, 2026

When you’re drowning in debt, there’s a lifesaver to grab. Here are your options when your debt is too big.

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Here’s Your Secret Credit-Rebuilding Weapon After Debt Relief
How to Rebuild Credit After Debt Relief

October 29, 2026

Got the credit score blues? Chin up—we’ll share our favorite secret weapon for building a higher credit score.

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How much can you usually settle a debt for
How Much Will a Debt Collector Settle For?

October 28, 2026

Debt settlement could help you significantly reduce your debt and put it behind you. Find out how much you could offer.

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

September 24, 2026

Broke and in debt? Learn what creditors could do, and where to find real help.

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Things to Do ASAP When You're Overwhelmed with Debt
3 Things to Do ASAP When You're Overwhelmed with Debt

October 28, 2026

Getting out of debt is possible. Here's a step-by-step guide to taking control of your finances.

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4 Things to Do If You Can't Pay Your Bills
What to Do When You Can't Pay Your Bills

October 28, 2026

Not being able to pay your bills is scary, but you can take action. Start with these tips.

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Auto Loan Debt Relief
Auto Loan Debt Relief: How It Works and Who It's Right For

October 29, 2026

Auto loan debt relief could help you get back on stable financial footing. Learn more about the five top strategies.

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Does Debt Relief Hurt Your Credit?
Does Debt Relief Hurt Your Credit?

October 28, 2026

Will debt relief hurt your credit? We’ve got tips on how to prepare for credit impacts while getting rid of debt.

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How to Settle Debt with Creditors
How to Settle Your Debt With Creditors

October 28, 2026

If you have unsecured debt that’s become overwhelming, debt settlement could be a way to get rid of it. Here's how.

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Do You Need to Change Your Spending Habits?
How to Change Your Spending Habits

October 22, 2026

Change can be scary, but good. Find out how to change your spending habits in a way that benefits you.

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