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 Check Your Credit for Free Online
How to Check Your Credit for Free Online

September 21, 2026

You don’t need to sign up for a subscription to check your credit score.

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How to Budget to Pay Off Debt
How to Budget to Pay Off Debt

September 21, 2026

Making a realistic budget that prioritizes debt payoff is often the best and fastest way to become debt-free.

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Can a Credit Card Company Take Your House?
Can Credit Card Companies Take Your House?

October 25, 2026

A debt lawsuit could end with a lien on your home. Here's how it happens and what to do about it.

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Does Eviction Protection Still Apply to You?
How to Pay Off Eviction Debt: A Complete Guide

October 24, 2026

Eviction debt can make it hard to find a rental and affect your credit. Learn how to pay it off and get back on track.

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Can Just One Spouse Sign Up for a Debt Settlement Program If the Other Is Unwilling
Can Just One Spouse Sign Up for a Debt Settlement Program If the Other Is Unwilling?

October 30, 2026

If you need a debt settlement program, here's what you need to know if your spouse is unwilling.

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Right of Offset
Right of Offset: Can a Bank Take Your Money?

October 26, 2026

Under specific circumstances, your bank can seize money from your bank account. Here's what to know.

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Can My Social Security Be Garnished
Can Creditors Garnish Your Social Security Benefits?

October 24, 2026

Are your Social Security benefits at risk if you don't pay creditors? See which benefits are protected from garnishment.

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

October 31, 2026

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

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How Do You Remove a Delinquent Student Loan from Your Credit Reports?
How Do You Remove a Delinquent Student Loan from Your Credit Reports?

April 1, 2026

You can correct at least some kinds of credit report damage from missed student loan payments. Here’s how.

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Maxed out credit cards
Maxed-Out Credit Cards: Why It's Bad and What to Do About It

March 11, 2026

Getting close to your credit limit? Already there? Here’s what happens next, and how to get it back under control.

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