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 Avoid Wedding Debt
How to Avoid Wedding Debt

December 4, 2025

It’s easy to get caught up in the excitement of wedding planning and spend more…

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How to get out of credit card debt without ruining your credit
How to Stop Paying Credit Cards Legally: Your Complete Guide to Debt Relief Options [2025]

December 14, 2025

Getting rid of credit card debt without paying anything is very rare, but you might be able to repay less than the full amount. Our expert explains.

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Tips to Defend Yourself Against Zombie Debt
Tips to Defend Yourself Against Zombie Debt

December 5, 2025

Sometimes debt comes back from the grave. Find out how to keep zombie debt from haunting your finances.

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Ready to Teach Money Skills at Home?
Ready to Teach Money Skills at Home?

December 9, 2025

Their first teacher is you. Make sure your kids are learning what they need to know about money.

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Government Building
How Can I Find Government Credit Card Debt Relief Programs?

December 16, 2025

Ads about government credit card relief may be a sham, but don't worry. There are plenty of other options.

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

November 25, 2025

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

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Open Enrollment 2021: Do You Need an HSA?
Do You Need an HSA?

December 12, 2025

An HSA could lower your taxes while helping you avoid medical debt. Read on to see if an HSA is right for you.

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Which debt to pay off first
Which Debt Should You Pay Off First?

December 1, 2025

Take charge of your debt by choosing the first one to smash. We’ll help you learn how to prioritize your debt payoff order.

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Financial Advice to Ignore During a Recession
Financial Advice to Ignore During a Recession

December 9, 2025

How to get through a scary financial time: ignore the bad advice and protect your money. We’ll show you how.

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6 Ways to Plan for a Debt-Free Holiday
The Gift of Financial Freedom—How to Avoid Holiday Debt

December 13, 2025

It’s the most wonderful—and expensive—time of year. Here’s how to stay out of holiday debt.

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