11 Apr

Lemon Law

Why an “Extended Warranty” Is Not Really a Warranty (And Why That Matters in Court)

• April 9, 2026
• By AmyGinsburg

Many consumers purchase what they believe is an “extended warranty,” only to find out later that it doesn’t provi...

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11 Apr

FCRA

What Goes Into a Credit Score? A Simple Guide to What Really Matters

• March 20, 2026
• By AmyGinsburg

Your credit score affects more than you might think. It can impact ...

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11 Apr

Lemon Law

How to Prepare for Your Lemon Law Inspection

• April 9, 2026
• By AmyGinsburg

Preparation can make a big difference in the outcome of your Lemon Law inspection.

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11 Apr

FCRA

The Best Way to Dispute Credit Errors: Why Mail Disputes Often Beat Online Disputes

• April 11, 2026
• By AmyGinsburg

Errors on credit reports are far more common than most consumers realize—and the consequences can be serious. A s...

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10 Apr

Uncategorized

Chapter 7 vs Chapter 13 Bankruptcy: Key Differences + How to Choose

• March 24, 2026
• By AmyGinsburg

⚠️ Top 5 Mistakes When Choosing Between Chapter 7 and Chapter 13

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10 Apr

FDCPA

Repossession, Litigation, and Post-Judgment Conduct Remain Active FDCPA Battlegrounds

• March 19, 2026
• By AmyGinsburg

The newest updates also show that the FDCPA is still being tested in some of the most aggressive forms of collect...

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10 Apr

General Financial, Debt Resolution, Consumer Protection, Bankruptcy, Debt Defense

How to Request a Hardship Accommodation from Creditors (and Actually Get a Yes)

• April 10, 2026
• By AmyGinsburg

When life takes an unexpected turn—job loss, medical issues, divorce, or a sudden drop in income—keeping up with ...

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10 Apr

General Financial, Debt Resolution, Consumer Law, FDCPA, FCRA, Debt Defense

If You Can’t Pay It Off This Cycle, Don’t Swipe: The Rule That Can Keep You Out of Credit Card Debt

• April 2, 2026
• By AmyGinsburg

Credit cards are one of the most powerful financial tools available—and one of the easiest to misuse.

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10 Apr

Consumer Law, FCRA, Debt Defense

Let’s Talk About: Credit Card Interest and How it is Calculated

• April 2, 2026
• By AmyGinsburg

Most people misunderstand one of the most important rules about credit cards—and it’s costing them money every si...

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10 Apr

TCPA

Are Cell Phones Covered by the TCPA? A Plaintiff’s Guide to Robocall Protections

• April 6, 2026
• By AmyGinsburg

If you’ve been receiving robocalls or spam text messages on your cell phone, you may be wondering:

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