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    Monthly Archives: July 2026

    Portrait of young woman making payment with credit card using smartphone at work
    24 Jul
    Debt Defense, Bankruptcy, Consumer Protection

    Are Americans Becoming More Careful With Borrowing? What the Latest Federal Reserve Numbers Tell Us

    • July 16, 2026
    • By author-avatar AmyGinsburg
    New Federal Reserve Data Suggests Consumers Are Becoming More Selective About Taking on Debt—But Caution Doesn't Al...

    Continue reading

    21 Jul
    Estate Planning

    Estate Planning Basics — The “If Something Happens to Me” Starter Plan (Without Getting Overwhelmed)

    • July 21, 2026
    • By author-avatar AmyGinsburg
    The quick idea Estate planning isn’t just for the wealthy. It’s a s...

    Continue reading

    Journaling Over Coffee
    21 Jul
    TCPA

    TCPA Robocalls & Texts — How to Build a “Proof Packet” Without Becoming a Tech Expert

    • July 21, 2026
    • By author-avatar AmyGinsburg
    The quick idea The Telephone Consumer Protection Act (TCPA) can res...

    Continue reading

    21 Jul
    FDCPA

    FDCPA Debt Collection — 10 Things Collectors Can’t Do (and What You Should Save)

    • July 21, 2026
    • By author-avatar AmyGinsburg
    The quick idea The Fair Debt Collection Practices Act (FDCPA) sets ...

    Continue reading

    Five yellow lemon slices arranged diagonally on a vivid blue background for decorative contrast, forming a curved line across the bottom-right.
    21 Jul
    Lemon Law

    Lemon Law / Breach of Warranty — The “3 Repair Visits” Myth and What Actually Matters

    • July 21, 2026
    • By author-avatar AmyGinsburg
    The quick idea Many people hear “you need 3 repair visits” to quali...

    Continue reading

    A row of Mazda 3s at a dealership in Fairfax VA
    21 Jul
    Dealer Fraud

    Dealer Fraud — Spot Delivery “Yo-Yo Financing”: How It Works and What to Do

    • July 21, 2026
    • By author-avatar AmyGinsburg
    The quick idea You drive off the lot thinking the deal is done—then...

    Continue reading

    Desk setup with an open laptop showing a financial report, a calculator, mug, plant, and papers on a light wood desk.
    21 Jul
    FCRA

    Credit Report Errors (FCRA): A Step-by-Step Plan to Dispute Mistakes and Protect Your Score

    • July 21, 2026
    • By author-avatar AmyGinsburg
    Why credit report errors are a big deal A wrong item on your credit...

    Continue reading

    Minimalist workspace: smartphone, open notebook, pen, and a white mug on a wooden desk with a plant in the background.
    21 Jul
    TCPA

    TCPA Robocalls and Unwanted Texts: What Counts as Illegal and How to Build a Strong Record

    • July 21, 2026
    • By author-avatar AmyGinsburg
    Why the TCPA matters The Telephone Consumer Protection Act (TCPA) i...

    Continue reading

    Person writing in a notebook at a wooden desk, with a smartphone, a mug, and a small plant nearby in a bright room with a bookshelf and window behind.
    21 Jul
    FDCPA

    FDCPA Debt Collection Harassment: A Consumer-Friendly Guide to Protecting Yourself

    • July 21, 2026
    • By author-avatar AmyGinsburg
    What the FDCPA is The Fair Debt Collection Practices Act (FDCPA) is...

    Continue reading

    Technician wearing gloves holds a clipboard and a tablet inside an auto repair shop with a car on a lift in the background.
    21 Jul
    Lemon Law

    Lemon Law vs. Breach of Warranty: How to Tell Which One Fits Your Vehicle Problem

    • July 21, 2026
    • By author-avatar AmyGinsburg
    Why this matters When your car keeps having the same issue—especial...

    Continue reading

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      Email: info@ginsburglawgroup.com

      Office: 855-978-6564

      Fax: 855-777-0043

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      Ginsburg Law Group, P.C.
      653 W. Skippack Pike
      Suite 300-71
      Blue Bell, PA 19422

      Mailing Addresses:
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      • 5450 Highway 153 Suite 126 #1064 Hixson, TN 37421
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      Mailing Addresses:
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      • 2186 Jackson Keller Rd San Antonio, TX 78213
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      • Home
        • Navigation Center
      • About
        • Meet the Team
          • Careers at Ginsburg Law Group: Build Your Future With Us
        • 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
          • 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
        • 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 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