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.

Does paying off credit card help credit score
Does Paying Off Credit Cards Help Your Credit Score?

October 27, 2026

Paying off your credit cards? Congrats! Here’s how that could impact your credit score for the better.

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Can Debt Collectors Call Your Family
Can Debt Collectors Call Family Members?

October 25, 2026

Debt collectors have to follow certain rules, including limits on what they can say to your family.

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Emergency loans for bad credit
Can You Get An Emergency Loan With Bad Credit?

March 14, 2026

Sometimes you need money in a hurry. But bad-credit loans can be bad news. Consider these better options.

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What Happens After a Credit Card Is Charged Off?
What Happens When Your Credit Card Is Charged Off?

October 31, 2026

You can bounce back from a credit card charge-off. Here's how to get started.

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Budget billing graphic
What Is Budget Billing? A Guide to How It Works

October 31, 2026

Skip the bill shock—budget billing keeps your utility payments steady month after month.

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How Debt Relief Programs Work
How Do Debt Relief Programs Work?

October 23, 2026

If you want to regain control over your finances, debt relief programs could be a solution. Here’s how they work.

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Money Moves to Help You Deal With Debt in 2026
Money Moves to Help You Deal With Debt in 2026

May 4, 2026

Want to make debt repayment more manageable? Here are a few money moves to help you deal with debt in 2026.

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Irregular Income and Debt
Irregular Income and Debt: What Do You Do?

March 12, 2026

An irregular income doesn’t have to stand in the way of getting debt-free. Here’s how to get there faster.

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4 numbers to know before you consolidate your debt
4 Numbers to Know Before You Consolidate Your Debt

October 23, 2026

Make the best possible debt consolidation decision (and dodge roadblocks) by knowing these four numbers.

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