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.

Car Loan for Bad Credit
Car Loan for Bad Credit: Should You Bite?

March 5, 2026

Having poor credit could double or even triple your APR on a car loan. Here’s how to make your loan more affordable.

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Car Loan Refinance
Car Loan Refinance: Is It Worth It to Get a Lower Payment?

March 5, 2026

Think about more than just rates when you consider refinancing your car loan. We’ll show you how to compare offers.

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Right of Offset
Right of Offset: When Does a Bank Have the Right to Seize Money in Your Account?

March 5, 2026

Under specific circumstances, your bank can seize money from your bank account. Here's what to know.

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Can Collection Agencies Take Your Tax Refund
Can Collection Agencies Take Your Tax Refund?

March 6, 2026

If you’re worried about your tax refund being seized, we’ll show you how to avoid garnishment.

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Is Credit Card Debt Settlement Worth the Credit Score Hit?
Is Credit Card Debt Settlement Worth the Credit Score Hit?

March 6, 2026

Debt settlement could be the right financial move, even if your credit score drops along the way.

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Does Credit Utilization Matter if You Pay in Full?
Does Credit Utilization Matter If You Pay in Full?

March 8, 2026

You can pay off your full statement balance and still get dinged for credit utilization.

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What Is VantageScore
What Is VantageScore?

March 8, 2026

Lenders are looking at VantageScores more than ever before. Here’s what you need to know.

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The Statute of Limitations on Debt Has Passed. Now What?
The Statute of Limitations on Debt Has Passed. Now What?

March 8, 2026

The end of the statute of limitations could be a game-changer for your debt. Here’s how to handle it.

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Can Just One Spouse Sign Up for a Debt Settlement Program If the Other Is Unwilling
Can Just One Spouse Sign Up for a Debt Settlement Program If the Other Is Unwilling?

March 8, 2026

If you need a debt settlement program, here's what you need to know if your spouse is unwilling.

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Ways to Get Help With Vet Bills
5 Ways to Get Help With Vet Bills

March 8, 2026

Vet bills can break the bank, but there are ways to get help paying for pet care.

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