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        • Estate Planning – Community Property States
        • Estate Planning Guide: HEMS
        • Estate Planning Guide: Revocable vs. Irrevocable Trusts
        • What to Do When a Loved One Passes Away
        • Estate Planning – What Your Family Should Know
        • Best Practices – Powers of Attorney & Health Care Directives
      • Estate Planning – Trust Planning
        • Estate Planning – Living Trusts 101
        • Estate Planning – Lifetime Protection Trusts
        • Estate Planning – Charitable/Special Needs/Medicaid Trusts
        • Estate Planning – Funding Your Trust
      • Estate Planning – Executor and Trustee Duties
      • Estate Planning Flexibility
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      • Estate Planning – Using Yourefolio
      • Estate Planning – Where to Plan
        • Estate Planning Guide: Florida
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      • How to Prepare for Your Estate Planning Meeting
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        • Under the Hood with Attorney Amy Ginsburg
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      • TCPA Deposition Preparation Guide
      • Scrubbing Phone Numbers
      • The TCPA Defendant Research Toolkit
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    • Contact Towson, MD
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    Monthly Archives: June 2026

    Man in a gray sweater reviewing a credit report at a desk with a laptop, papers, and a calculator nearby.
    05 Jun
    FCRA

    FCRA Disputes: How to Fix Credit Report Errors Without Making Things Worse

    • June 5, 2026
    • By author-avatar AmyGinsburg
    A credit report error can cost you real money—higher interest rates, denied housing, or lost job opportunities. T...

    Continue reading

    Modern home office: laptop, smartphone with app icons, a coffee mug on a coaster, and a plant on a clean desk with books in the background.
    05 Jun
    TCPA

    TCPA 101: What Counts as Illegal Robocalls and Spam Texts (and How to Build a Clean Record)

    • June 5, 2026
    • By author-avatar AmyGinsburg
    Most people have gotten them: “urgent” car warranty calls, debt relief pitches, political robocalls, or nonstop m...

    Continue reading

    Person seated at a wooden desk in a bright room, looking at a smartphone with a stack of papers nearby and a notebook in front.
    05 Jun
    FDCPA

    FDCPA Basics: How to Handle Debt Collectors (and What to Save)

    • June 5, 2026
    • By author-avatar AmyGinsburg
    Getting a call from a debt collector can feel intimidating—especially if you’re not sure whether the debt is real...

    Continue reading

    Businesswoman in blazer reviews documents at the reception desk while a mechanic works on a white car in the background of a clean auto shop.
    05 Jun
    Lemon Law

    Lemon Law and Breach of Warranty: What to Do When Your “New” Car Keeps Going Back to the Shop

    • June 5, 2026
    • By author-avatar AmyGinsburg
    Buying a vehicle is supposed to make life easier. When the “new car” excitement turns into repeated repair visits...

    Continue reading

    Four professionals sit around a wooden table in a meeting, reviewing documents and taking notes with coffee cups nearby in a bright room,
    05 Jun
    Estate Planning

    Estate Planning Basics: 10 Decisions to Make Before You Draft a Will or Trust

    • June 5, 2026
    • By author-avatar AmyGinsburg
    Estate planning isn’t just for the wealthy. It’s for anyone who wants to make life easier for the people they lov...

    Continue reading

    Person's hands rest on a desk while a pen lies on documents beside a calculator and stack of papers in a sunlit office window scene
    05 Jun
    Bankruptcy

    Bankruptcy Basics: What to Gather Before You Talk to a Bankruptcy Attorney

    • June 5, 2026
    • By author-avatar AmyGinsburg
    If you’re considering bankruptcy, you’re probably juggling stress, bills, and uncertainty. Many people delay gett...

    Continue reading

    Phone screen shows an 'Incoming Call' alert with green answer and red decline icons, held over a laptop on a desk.
    05 Jun
    TCPA

    TCPA Robocalls and Robotexts: A Practical Guide to Preserving Evidence

    • June 5, 2026
    • By author-avatar AmyGinsburg
    Unwanted robocalls and spam texts aren’t just annoying—they can disrupt work, wake you up, and sometimes lead to ...

    Continue reading

    Woman in a blue blouse writes in a spiral notebook at a clean desk, with a smartphone and envelopes nearby.
    05 Jun
    FDCPA

    FDCPA Debt Collection Harassment: What to Track (and What to Stop Doing)

    • June 5, 2026
    • By author-avatar AmyGinsburg
    Getting collection calls can be overwhelming—especially when the caller is aggressive, confusing, or contacting y...

    Continue reading

    Man in a blue shirt sits at a wooden desk with scattered documents, resting his chin on his hand and thinking. A man reviews papers at a desk by a window; a car is visible outside.
    05 Jun
    Lemon Law

    Lemon Law & Breach of Warranty: The Documentation Checklist That Can Make or Break Your Claim

    • June 5, 2026
    • By author-avatar AmyGinsburg
    Car problems are stressful. When your vehicle keeps going back to the shop for the same issue, it can start to fe...

    Continue reading

    Two professionals sit at a wooden desk, smiling and holding hands over an open binder.
    05 Jun
    Estate Planning

    Estate Planning Basics: A Simple Starter Plan for Busy Families (Wills, Trusts, and “What If?”

    • June 5, 2026
    • By author-avatar AmyGinsburg
    Estate planning isn’t just for the wealthy. It’s for anyone who wants to make things easier on the people they lo...

    Continue reading

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      • Home
        • Navigation Center
      • About
        • Meet the Team
          • Careers at Ginsburg Law Group: Build Your Future With Us
        • Ginsburg Law Group Case Analyzer
        • Legal Service Plans and Legal Insurance Plans
          • Legal Plan – Estate Planning
        • Client Resources
          • Payments
          • Zoom Meetings
          • Client Portal
          • Scheduling
          • Creditor Payment Links
        • Client Experiences
          • Give Us A Review!
          • Debt Defense Feedback
        • Consumer Resources
          • Consumer Rights Research Suite
          • Common Consumer Scams
          • Dealing with Debt
            • Choosing the Right Path to Get Out of Debt
            • Debt: Understand Your Options
            • Surviving Debt
            • Increasing Your Income and Reducing Your Expenses
            • Financial Assistance Options
            • Housing – Rental Assistance
          • Establishing Actual Damages in Consumer Cases
          • Deposition Pointers
        • Consumer News
          • Blog
          • The Consumer Bar
        • Community Engagement
        • Media Resources
      • Practice Areas
        • Consumer Bankruptcy
          • Bankruptcy – Chapter 7
            • Bankruptcy – Chapter 7 in Pennsylvania
          • Bankruptcy – Chapter 13
            • Chapter 13 Plans
              • Bankruptcy – Affording a Plan
            • Chapter 13 – Co-Debtors
            • Bankruptcy – Surviving During Chapter 13
            • Bankruptcy – Chapter 13 in Pennsylvania
          • Bankruptcy – Conversions
          • Bankruptcy – Timing of Filing
            • Bankruptcy – Emergency Situations – Sale Tomorrow
            • Bankruptcy – When Bankruptcy Is Not a Good Option
            • Bankruptcy – Timing & Taxes
            • Bankruptcy – Timing and Divorce
          • Bankruptcy Client Resources
            • Bankruptcy – 341 Meeting
            • Bankruptcy – Attorney Fees
            • Bankruptcy – Automatic Stay
            • Bankruptcy – The Bankruptcy Information Sheet
            • Bankruptcy – Changes After Filing
            • Bankruptcy – Changed Circumstances
              • Bankruptcy – Inheritance, Lottery Winnings, and Other Windfalls
            • Bankruptcy Courses
            • Bankruptcy – Exemptions
            • Bankruptcy – Means Test
            • Bankruptcy and Privacy
            • Bankruptcy – Signing Your Petition
            • Bankruptcy – Trustee Info
            • Bankruptcy – US Trustee Audits
            • Bankruptcy – PA Eastern District Bankruptcy Court
            • Bankruptcy – PA Middle District Bankruptcy Court
            • Bankruptcy – PA Western District Bankruptcy Court
          • Bankruptcy FAQ
            • Bankruptcy – 401K Loans
            • Bankruptcy – Domestic Issues
            • Bankruptcy – Family Payments
            • Bankruptcy – Foreclosure
              • Mortgage Modification Options in Pennsylvania Through Bankruptcy
            • Bankruptcy – Fraud or Mistake
            • Bankruptcy – Home Equity
            • Bankruptcy – No Income
            • Bankruptcy – Preferential Payments
            • Bankruptcy – Property Transfers
            • Bankruptcy – Reducing Car Payments
              • Bankruptcy – Cram Down
            • Bankruptcy and Scams
              • Bankruptcy – Victims of Fraud
            • Bankruptcy – Season Tickets
            • Bankruptcy – Spending After Filing
              • Bankruptcy – College Planning
              • Bankruptcy – Vacations and Travel
            • Bankruptcy and Taxes
            • Bankruptcy – Timeshares
              • Bankruptcy – Disney Vacation Club
            • Bankruptcy – Student Loan Debt
              • Bankruptcy – Student Loan Relief Options
              • Bankruptcy – Government and Federal Programs for Student Loans
          • Bankruptcy – Life Events and Bankruptcy
            • Bankruptcy and Divorce
            • Bankruptcy – Unpaid Maternity Leave
            • Bankruptcy – Short Term Disability
          • Bankruptcy – Life After Bankruptcy
            • Bankruptcy – Renting After Bankruptcy
            • Bankruptcy – Rebuilding Credit After Bankruptcy
        • Dealer Fraud
          • Pre-Delivery Damage
          • Spot Delivery / Yo-Yo Financing
          • Odometer Rollback
        • Debt Defense
          • Debt Defense Resources
            • Debt: Understand Your Options
            • Debt Defense Case Information
            • Debt Defense – Learn the Lingo
            • Debt Collection – Statute of Limitations
            • Find My Original Creditor
            • Debt Resolution and Credit Reporting
            • Student Loan Debt
          • Debt Defense – State Procedures
            • Debt Defense – Arizona Procedure
            • Debt Defense – California Procedure
            • Debt Defense – Florida Procedure
            • Debt Defense – Maryland Procedure
            • Debt Defense – New Jersey Procedure
            • Debt Defense – Pennsylvania Procedure
            • Debt Defense – Tennessee Procedure
            • Debt Defense – Texas Procedure
            • Debt Defense – Wyoming Procedure
          • Debt Defense – Understanding the Process
            • Debt Defense – How to Challenge a Debt Collector Lawsuit
            • Understanding the Discovery Process
            • Understanding ADR Options
            • Debt Defense – Fight a Default Judgment
            • Motions for Summary Judgment
            • What to Expect at Your Trial
            • Judgments
          • Guided Defense: Support for Self-Represented Consumer Debtors
          • Debt Defense FAQ
          • Debt Defense Services for Debt Resolution Companies
          • Business Debt Negotiation & Restructuring
          • Debt Defense Self Help Resources
            • Debt Defense – What to Expect from Debt Defense Attorneys
            • Debt Collector Playbook vs. Consumer Defense Playbook
            • How to Settle Debt Yourself (DIY Guide)
          • Debt Settlement & Debt Resolution Services
            • Arizona Debt Settlement & Debt Resolution
            • California Debt Settlement & Debt Resolution
            • Florida Debt Settlement & Debt Resolution
            • Maryland Debt Settlement & Debt Resolution
            • New Jersey Debt Settlement & Debt Resolution
            • Pennsylvania Debt Settlement & Debt Resolution
            • Tennessee Debt Settlement & Debt Resolution
            • Texas Debt Settlement & Debt Resolution
            • Wyoming Debt Settlement & Debt Resolution
        • Deceptive Trade Practices
        • Estate Planning
          • Estate Planning Roadmap
          • Estate Planning – Q&A
          • Estate Planning Hub
            • Estate Planning – Know Your Assets
            • Estate Planning – Wills and Testamentary Trusts
            • Estate Planning – Understanding Will Language
            • Estate Planning – Planning Your Distributions
            • Estate Planning – Community Property States
            • Estate Planning Guide: Revocable vs. Irrevocable Trusts
            • Estate Planning Guide: HEMS
            • What to Do When a Loved One Passes Away
            • Estate Planning – What Your Family Should Know
            • Best Practices – Powers of Attorney & Health Care Directives
            • College Student Legal Protection Services
          • Estate Planning – Trust Planning
            • Estate Planning – Living Trusts 101
            • Estate Planning – Lifetime Protection Trusts
            • Estate Planning – Charitable/Special Needs/Medicaid Trusts
            • Estate Planning – Funding Your Trust
          • Estate Planning Flexibility
          • Estate Planning – Executor and Trustee Duties
          • Estate Planning – Tax Considerations (2025)
          • Estate Planning – Using Yourefolio
          • Estate Planning – Where to Plan
            • Estate Planning Guide: New Jersey
            • Estate Planning Guide: Pennsylvania
            • Estate Planning Guide: Maryland
            • Estate Planning Guide: Florida
            • Estate Planning Guide: Wyoming
            • Estate Planning Guide: California
            • Estate Planning Guide: Arizona
            • Estate Planning Guide: Texas
            • Estate Planning Guide: Tennessee
          • How to Prepare for Your Estate Planning Meeting
          • Estate Planning – Estate Planning Vault
        • Fair Debt Collection Practices Act (FDCPA)
          • FDCPA – Spotting Common Violations
          • FDCPA – Evidence
          • FDCPA Deposition Preparation Guide
          • Aging Debt: What It Is and How to Avoid It
          • Debt Resolution and Credit Reporting
          • FDCPA Research Toolkit
          • Fair Debt Collection Practices Act (FDCPA) – Intake Process & Documents
        • Fair Credit Reporting Act (FCRA)
          • FCRA Deposition Preparation Guide
          • FCRA – Spotting Violations
          • Credit Report Dispute Guide
          • Improving Your Credit Score
        • Insurance Bad Faith
        • Lemon Law and Breach of Warranty
          • Lemon Law Research Suite
          • Lemon Law Repurchase Calculator
          • Lemon Law Pre-Filing ADR Programs
          • Lemon Law – Depositions
          • Lemon Law Mediation – What to Expect and How to Prepare
          • Lemon Law – Common Defenses
          • Lemon Law Resources
            • Under the Hood with Attorney Amy Ginsburg
            • Arizona Lemon Law – Complete Consumer Guide
            • California Lemon Law – Complete Consumer Guide
            • Florida Lemon Law – Complete Consumer Guide
            • Maryland Lemon Law – Complete Consumer Guide
            • New Jersey Lemon Law – Complete Consumer Guide
            • Pennsylvania Lemon Law – Complete Consumer Guide
            • Tennessee Lemon Law – Complete Consumer Guide
            • Texas Lemon Law – Complete Consumer Guide
            • Wyoming Lemon Law – Complete Consumer Guide
            • Magnuson-Moss Warranty Act – Complete Consumer Guide
          • Lemon Law Case Evaluation
        • Personal Injury
          • Personal Injury – Truck Accident
          • Personal Injury – Car Accident Claims
          • Personal Injury – Slip and Fall Lawyer
        • Real Estate
          • Foreclosure
            • Foreclosure – The Process
            • Foreclosure – Pennsylvania
            • Foreclosure – Homeowner Programs
            • Foreclosure – When Bankruptcy Won’t Work
          • Housing – Rental Assistance
          • Surplus Funds From Tax Sales & Foreclosure Sale
        • Social Security Disability Claims
        • Travel Law
          • Travel Law & Personal Travel Tips with Amy Ginsburg
        • Telephone Consumer Protection Act
          • TCPA Toolkit
          • TCPA – Defending Your Claim
          • TCPA Deposition Preparation Guide
          • Scrubbing Phone Numbers
          • The TCPA Defendant Research Toolkit
          • TCPA Research on CHATGPT
          • Telephone Consumer Protection Act – Intake Process & Documents
      • Locations
        • Contact Hixson, TN
        • Contact Towson, MD
        • Contact Fort Myers, FL
        • Contact Sacramento, CA
        • Contact San Antonio, TX
        • Contact Knoxville, TN