Posts by AmyGinsburg
Recalled VW, Audi, Range Rover or Rivian? When a Recall Can Turn Into a Lemon Law Claim
California’s CARS Act Takes Effect October 1: A 3-Day Right to Return Used Cars, Honest Total Prices and Limits on Junk Add-Ons
Starting Thursday, October 1, 2026, California car dealers must advertise a vehicle’s total price, tell you in writing that add-ons are optional, stop charging for add-ons that give you no benefit, and give used-car buyers a 3-day right to cancel. Here’s what the new law says and how to use it.
A Will Becomes Public. A Trust Can Keep Your Estate Private.
Federal Judge Rules the CFPB Must Be Funded: What the Decision Means for Consumers Dealing With Debt Collectors, Credit Bureaus and Lenders
On September 25, 2026, a federal judge in Oregon ruled that the government’s decision to stop requesting funding for the Consumer Financial Protection Bureau was unlawful and unconstitutional. Here’s what the ruling does, what it doesn’t do, and what it means if you’re dealing with a debt collector, a credit reporting error or a lender.
New Bipartisan Bill Would Cap Interest at 36% on Most Consumer Loans: What the Veterans and Consumers Fair Credit Act Means for You
A new bipartisan House bill, H.R. 10439, would extend the Military Lending Act’s 36% interest-rate cap to every American consumer. Here’s what it would do, what it wouldn’t, and what it means if you’re dealing with a high-cost loan today.
Did You Consent to Robocalls Just by Giving Out Your Number? What Smith v. ExamWorks Means for You
Putting California Real Estate Into a Living Trust: The Filing Details That Matter
Lemon Law “Cash and Keep” Offers: Should You Keep the Car and Take a Settlement?
Not every lemon law case ends in a buyback. Sometimes the manufacturer offers cash while you keep the vehicle. Here’s how cash-and-keep settlements work and what to weigh before you sign.
How Long Can Negative Items Stay on Your Credit Report? The 7-Year Rule and Its Exceptions
Most negative items can stay on a credit report for seven years, and bankruptcies can stay for up to ten. Here is how the Fair Credit Reporting Act time limits work, when the clock starts and what to do if an old debt won’t go away.


