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.
March 18, 2026
Getting out of debt faster isn’t just about cash—it’s about having the right conversations. Start with these.
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March 18, 2026
Lower the rate. Lower the payment. Get cash for an important expense. These are just some of the reasons people refinance.
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March 19, 2026
One of the last steps in negotiating debt is figuring out your potential tax bill. Learn about debt settlement taxes here.
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September 15, 2026
Yes, debt collectors can freeze your bank account, but only after following strict legal steps.
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March 18, 2026
Don’t pay more for your burrito. Learn how to avoid Buy Now, Pay Later (BNPL) for everyday purchases.
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March 18, 2026
When savings are not enough, debt can help fund the expenses of life. But debt is not always the right solution. Learn more about using household debt effectively.
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March 18, 2026
Yes; the U.S. entered a recession in 2022. Learn how to protect your finances, what to do and not do in a recession.
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May 1, 2026
Repossession can leave you without a car, but you don't have to be stuck with leftover debt from a deficiency balance.
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May 1, 2026
Looking for tips on how to manage debt as a freelancer? Here are some strategies that can make debt management easier.
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May 1, 2026
Debt consolidation could be the solution you need, or it could be trouble in disguise. Learn if it's right for you.
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