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.

How Do You Know When Your Debt is Too Big to Try to Repay in Full?
How Do You Know When Your Debt is Too Big to Try to Repay in Full?

November 25, 2025

When you’re drowning in debt, there’s a lifesaver to grab. Here are your options when your debt is too big.

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Survey: How Americans Spend Their Tax Refunds
Survey: How Americans Spend Their Tax Refunds

December 4, 2025

Freedom Debt Relief surveyed over 2,000 how they were planning to use their tax refund,…

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IRS scam phone call
Scam? The Tax Debt Compromise Program Phone Call

December 18, 2025

Got a robocall about settling tax debt? Learn the difference between legit IRS programs and costly tax relief scams.

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

December 2, 2025

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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Who Really Pays for COBRA?
Who Really Pays for COBRA?

December 9, 2025

Changing jobs? You might get COBRA health insurance. But it can be costly. Learn more about who pays for COBRA coverage.

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What’s Your Financial Next Normal?
What’s Your Financial Next Normal?

November 24, 2025

Manifest a better financial future, and take these steps to make it happen. Here are tips for creating your new financial normal.

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Personal Financial Planning for Your Financial Goals
Make Money for Your Holiday Budget Now with Work-from-Home Gigs

December 9, 2025

Want to have a richer holiday season without debt? Easy work-from-home gigs could earn you money for the holidays.

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Debt Relief Options
Credit Counseling vs. Debt Relief vs. Bankruptcy: Which Option Is Right for You? [2025 Guide]

December 11, 2025

When you’re drowning in debt, you have options. Learn how to choose the debt solution that fits best.

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What is Your Household Debt?
How Household Debt Impacts Your Everyday Life

December 2, 2025

When savings are not enough, debt can help fund the expenses of life. But debt is not always the right solution. Learn more about using household debt effectively.

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