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.

Can Collection Agencies Take Your Tax Refund
Can Collection Agencies Take Your Tax Refund?

October 26, 2026

If you’re worried about your tax refund being seized, we’ll show you how to avoid garnishment.

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Debt Collection for Gym Membership
Debt Collection for Gym Membership

April 3, 2026

Owe money to a gym? Don't get caught in a collections trap for unpaid membership fees.

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What’s a Good Debt-to-Income Ratio?
How to Lower Your Debt-to-Income Ratio

March 11, 2026

A lower debt-to-income ratio could help you get a loan and manage your bills more easily. Here’s how to get one.

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What to do if you're subject to wage garnishment for student loan debt
Garnishing Wages for Student Loans Is On Hold: What Does It Mean for You

April 3, 2026

Are your federal student loans in default? See how to avoid wage garnishment based on new details from January 2026.

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Stay Debt Free This Holiday Season
Stay Debt Free This Holiday Season

October 8, 2026

Holiday debt sneaks up fast. These debt-free holiday tips help you shop, save, and skip it this year.

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Debt Relief Qualifications
How to Qualify for Debt Relief

March 13, 2026

Dealing with unmanageable debt? Debt relief could be the right move—if you qualify. See how to qualify and next steps.

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Why Am I Getting Tax Debt Relief Calls
Why Am I Getting Tax Debt Relief Calls?

March 13, 2026

Tax debt relief calls aren't always a cause for concern. Here's what to do if you get one.

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Is Your Debt Relief Company Legit?
Is Your Debt Relief Company Legit?

October 8, 2026

Not all debt relief companies play by the rules. Here's how to spot the ones that do.

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Can I Take a Hardship Withdrawal for Credit Card Debt?
Can I Take a Hardship Withdrawal for Credit Card Debt?

October 22, 2026

No need to take a hardship withdrawal or 401(k) loan to pay off credit card debt. We’ll show you proven debt strategies.

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Should you open a new credit card?
When Is the Right Time to Open a New Credit Card?

October 28, 2026

Follow these tips when opening a new credit card to save money, raise your credit score, and maximize your rewards.

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