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.

Zombie Debt
Zombie Debt: Don’t Let It Rise to Bite You

March 17, 2026

If the phrase zombie debt gives you the willies, have no fear. Here's how to slay debt that seemingly rose from the dead.

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Credit Card Debt Bankruptcy
Should You Consider Filing for Credit Card Debt Bankruptcy?

March 18, 2026

If you’re overwhelmed by creditor phone calls, collection letters, or lawsuits, filing for bankruptcy forces your creditors to suspend collection activity. You cannot legally...

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7 Good Financial Habits to Master
7 Good Financial Habits to Master

March 18, 2026

Having financial goals is important. Read more about 7 good financial habits to master in…

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What to do if you're subject to wage garnishment for student loan debt
What to Do if You're Subject to Wage Garnishment for Student Loan Debt

March 18, 2026

Worried about your student loans? We’ll walk you through seven strategies to cope with default and wage garnishment.

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Debt Load
Debt Load and Your Finances

March 18, 2026

Learn how much debt might be too much for you. Find out where you stand and take control of your debt.

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How to Use Your Home Equity to Pay Off Student Loans
How to Use Your Home Equity to Pay Off Student Loans

March 18, 2026

If your home equity looks like a good way to refinance your student loan debt, here’s what to know first.

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The Pros and Cons of Loan Refinancing
Loan Refinancing Explained

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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How to protect yourself in a recession
Recession Preparation: How Can You Protect Yourself?

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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How to Prepare for a Recession If You are Already Struggling
How to Prepare for a Recession If You are Already Struggling

March 18, 2026

How do you prepare for a recession when you already struggle financially? Even in tough…

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Top 5 Tough Conversations that Could Help You Put Debt Behind You
Top 5 Tough Conversations that Could Help You Put Debt Behind You

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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