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.

Reducing Expenses During a Sudden Financial Hardship
Reducing Expenses During a Sudden Financial Hardship

March 18, 2026

Struggling to keep up with your debt payments? A financial hardship assistance program could be just what you need.

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Emergency loans for bad credit
Can You Get An Emergency Loan With Bad Credit?

March 18, 2026

Sometimes you need money in a hurry. But bad-credit loans can be bad news. Consider these better options.

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What Happens When a Credit Card Goes to Collections
What Happens When a Credit Card Goes to Collections?

March 18, 2026

Got a credit card collections call? You're not alone. Here's how to handle it.

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Debt Relief vs. Personal Loan
Debt Relief vs. Personal Loan

March 18, 2026

What's the better debt-buster? A personal loan or professional debt relief? Make the right choice for your situation.

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Automated Debt Collection
What to Do About Automated Debt Collection Calls

March 18, 2026

Many debt collection agencies send automated debt collection messages. Find out what you can do about it.

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Debt Consolidation Without a Loan
Debt Consolidation Without a Loan

March 18, 2026

You can bundle and streamline debt payments without a debt consolidation loan. Here's how it’s done.

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Why Am I Getting Tax Debt Relief Calls
Why Am I Getting Tax Debt Relief Calls?

March 18, 2026

Tax debt relief calls aren't always a cause for concern. Here's what to do if you get one.

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Debt Consolidation Loan Requirements
Debt Consolidation Loan Requirements

March 18, 2026

Here’s what lenders look at when you apply for a debt consolidation loan.

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Debt Relief Qualifications
Debt Relief Qualifications

March 18, 2026

Dealing with unmanageable debt? Debt relief could be the right move—if you qualify. See how to qualify and next steps.

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3 Ways to Pay Off Holiday Credit Card Debt Fast
3 Ways to Pay Off Holiday Credit Card Debt Fast

March 18, 2026

It’s easy to find yourself swamped by debt, especially after the holidays. If you’re wondering…

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