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.

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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FDR article counseling ar-min
Credit Card Counseling Pros and Cons: A Complete Analysis for 2025

March 16, 2026

Credit counselors can help a lot, but they have their limits. Learn the credit counseling pros and cons in our guide.

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Negative Bank Account
How to Clear a Negative Balance in Your Bank Account: Step-by-Step Guide

March 16, 2026

If your bank account is in the negative, it can cost you money. Find out how to clear a negative bank balance here.

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How to Use Credit Cards Wisely
Can I Still Use My Credit Card After Debt Settlement?

March 16, 2026

Debt settlement doesn’t mean you’ll never use credit cards again. We’ll walk you through the process to rebuild.

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5 Smart Ways to Spend Your 2020 Tax Refund
5 Smart Ways to Spend Your Tax Refund

March 16, 2026

There are so many things you can do with a tax refund, but what should…

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Best Apps to Help Pay Off Student Loans Faster
Best Apps to Help Pay Off Student Loans Faster

March 15, 2026

Overdue on student loans? Need to pay off debt? These student loan apps can help get rid of debt faster.

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