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.

Can You Settle Parking Tickets?
Can You Settle Parking Tickets? Know Your Options

March 2, 2026

Settling parking tickets could help you get rid of that debt for less than you owe. Learn how.

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What Happens If You Ignore Debt Collectors?
What Happens If You Ignore Debt Collectors?

March 5, 2026

Ignoring debt collectors is tempting, but it may make things worse. Here's how to handle debt collectors.

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What Happens to Debt in a Divorce?
What Happens to Debt in a Divorce?

March 5, 2026

Did your marriage include debts as well as assets? Here's what typically happens to debts when you get divorced.

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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 5, 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 5, 2026

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

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Which debt should I pay off first?
Which Debt Should I Pay Off First?

March 22, 2026

A road trip starts with figuring out the route, and the same is true for your debt payoff journey.

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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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