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 Debt Collectors Take Money From Your Bank Account
Complete Guide to Bank Account Levy and Garnishment

February 19, 2026

Yes, debt collectors can access your bank account. But you can take advance action to prevent this nightmare.

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Bill Consolidation
What Is Bill Consolidation?

February 19, 2026

Learn how to consolidate bills with debt consolidation loans or debt management plans.

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Pros and cons of personal loans to pay off credit card debt
Pros and Cons of Using a Personal Loan to Pay Off Credit Card Debt

February 19, 2026

A personal loan could simplify your debt payments—and save you money.

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10 Money-Saving Vacation Hacks
12 Ways to Save Money for Vacation

February 19, 2026

While you’re on vacation, it can be hard to relax because you’re worried about the…

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FDR blog setupXmsbudget
How to Set Up a Christmas Budget

February 19, 2026

We all like to be generous during the holidays, but you don’t need to overspend.…

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Couple with student debt
Do Student Loans Affect My Credit Score?

February 20, 2026

Student loans could have an impact on your credit score for better and worse. Here’s the scoop.

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10 Warning Signs of Financial Trouble
Warning Signs of Financial Trouble

February 20, 2026

Are you headed toward financial trouble? Read on to be aware and stop the bleeding.

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How to Settle Credit Card Debt When Lawsuit Has Been Filed
Can You Settle Credit Card Debt After Being Served? Complete Guide 2025

February 20, 2026

Yes, you can settle credit card debt after being served—find out how.

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Credit Card Debt Lawyer
Getting a Lawyer for Credit Card Debt: Fees and When It’s Worth It

February 20, 2026

Debt lawyers specialize in law concerning the collection of debt. If you loan money to someone, you may use a debt lawyer to file a lawsuit to collect it.

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Debt Settlement vs. Debt Consolidation
Debt Relief vs. Debt Consolidation: Pros and Cons

February 20, 2026

Change HOW you pay with debt consolidation, and how MUCH you pay with debt settlement. Learn the pros and cons here.

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