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 to get out of credit card debt without ruining your credit
How to Stop Paying Credit Cards Legally: Your Complete Guide to Debt Relief Options [2025]

September 8, 2025

Getting rid of credit card debt without paying anything is very rare, but you might be able to repay less than the full amount. Our expert explains.

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6 Black Friday Tips to Get the Best Deals
6 Black Friday Tips to Get the Best Deals

August 30, 2025

Everyone wants the best deals leading up to the holidays. Check out these 6 Black…

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What Is the Community Reinvestment Act?
What Is the Community Reinvestment Act?

September 11, 2025

What is the CRA? What role does it play in social justice and how does…

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

September 11, 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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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?

September 12, 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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When Can You Use a Credit Card Forbearance Program?
Credit Card Forbearance: Your Complete Guide to Pausing Payments in 2025

September 13, 2025

Credit card forbearance can offer temporary relief when you’re struggling. Find out more about how a forbearance program can get you back on your feet.

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This Is the One Thing You Should Never Do When You're Dealing with Debt
This Is the One Thing You Should Never Do When You're Dealing with Debt

September 12, 2025

When you need a fistful of cash to fix a financial problem, there’s one cookie jar you shouldn’t reach into.

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The 3 Most Unexpected Costs of Owning a Home
The 3 Most Unexpected Costs of Owning a Home

August 30, 2025

We asked over 1,000 homeowners to tell us about the three most unexpected costs of…

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Can you cancel a debt settlement contract?
Can You Cancel a Debt Settlement Contract?

August 30, 2025

A reputable debt relief company won't give you a hard time about canceling. Here’s what to do.

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