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.

Settling a Car Loan: Is It Possible?
Settling a Car Loan: Is It Possible?

April 2, 2026

Can't afford your auto loan? Settlement may be tempting, but it's rarely an option. Here's why—and what to do instead.

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How Does a HELOC Work?
How Does a HELOC Work?

April 2, 2026

A home equity line of credit (HELOC) may be a good way to fund debt payoff, home improvements, and more. Find out how it works.

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Financial Infidelity
Financial Infidelity: What to Do When You've Been Hiding Debt From Your Partner

April 2, 2026

Save your relationship from financial infidelity. Here's how you can start the conversation with your partner.

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Credit Card Interest Rate Cap: What It Could Mean for Your Debt
Credit Card Interest Rate Cap: What It Could Mean for Your Debt

April 3, 2026

The president wants 10% APR on credit cards. Banks say no. Here’s what a credit card interest cap could really mean.

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Debt Relief Myths and Realities
Debt Relief Myths and Realities

April 3, 2026

Struggling with debt you can't afford? Get the real story behind these debt relief myths to find out if it's for you.

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Debt Sold to a Collection Agency: What Happens Next?
Debt Sold to a Collection Agency: What Happens Next?

April 3, 2026

Once debt is sold to a debt collector, it may seem scary. Here's what you need to know to become a fearless consumer.

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Is High Credit Utilization Bad?
Is High Credit Utilization Bad?

April 3, 2026

Using a lot of your available credit? It could be affecting your credit scores and ability to borrow. Here's what to do.

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Can a Bank Sue You for an Overdraft Balance?
Can a Bank Sue You for an Overdraft Balance?

April 3, 2026

Sued for an overdraft balance? You have options, and you'll be okay. Here's what to do next.

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What Happens if You Stop Paying Your Credit Cards
What Happens if You Stop Paying Your Credit Cards?

April 3, 2026

Can’t make your credit card payment? Learn what to expect and what moves to make.

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How I Paid Off My Student Loans: Money Moves That Worked
How I Paid Off My Student Loans: Money Moves That Worked

April 3, 2026

Want to pay off your student loan debt faster? Here’s how I paid off student loans, and which money moves helped most.

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