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.

 statutes of limitation credit card
What’s the Statute of Limitations on Credit Card Debt?

March 11, 2026

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

Read more
Does Medical Debt Affect Your Credit Score?
Does Medical Debt Affect Your Credit Score?

April 4, 2026

Medical debt over $500 could go on your credit report. Here’s how to reduce the impact and find debt relief.

Read more
How Does Medical Debt Should Up on Your Credit Report
How Does Medical Debt Show Up on Your Credit Report?

September 24, 2026

Medical debt and your credit report: what shows up, what doesn't, and how to fix errors.

Read more
How to Create a Debt Snowball Method Spreadsheet for Free
How to Create a Debt Snowball Method Spreadsheet for Free

May 4, 2026

Want to get rid of your debt? Learn how to create a debt snowball method spreadsheet without spending a dime.

Read more
Can You Go to Jail for Medical Debt?
Can You Be Arrested or Go to Jail for Medical Debt?

May 4, 2026

Unpaid medical bills don't land you in jail, but you could get sued. Learn what can happen, and what to do about it.

Read more
Reasons to Choose a Debt Consolidation Loan vs. a Balance Transfer Card
5 Reasons to Choose a Debt Consolidation Loan vs. a Balance Transfer Card

October 24, 2026

Balance transfer cards get a lot of attention. Here’s why a debt consolidation loan might be better.

Read more
Can You Settle a Deficiency Balance After Auto Repossession
Can You Settle a Deficiency Balance After Auto Repossession?

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.

Read more
What to Do if a Debt Collector Calls You for Someone Else's Debt
What to Do if a Debt Collector Calls You for Someone Else's Debt

March 12, 2026

Debt collectors have to follow certain rules. Here’s what to do if you’re contacted for a debt you never racked up.

Read more
401k loan to pay off credit card debt
Use a 401(k) Loan to Pay Off Credit Card Debt?

October 31, 2026

See the pros and cons of using a 401(k) loan to pay off credit card debt, plus possible alternatives.

Read more
What Is a Pay-for-Delete Agreement?
What Is a Pay-for-Delete Agreement?

October 30, 2026

No one wants negative information on their credit report. Can pay-for-delete really help you get rid of it?

Read more