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    The Ginsburg Law Group, P.C. Blog

    17 Mar
    Lemon Law

    Lemon Law Paper Trail: What to Document Before You Call a Lawyer

    • March 17, 2026
    • By author-avatar AmyGinsburg
    When your car keeps going back to the shop for the same problem, it’s not just frustrating—it can also get expens...

    Continue reading

    17 Mar
    FCRA

    Credit Report Errors: How to Dispute Them (and Build a Strong FCRA Paper Trail)

    • March 17, 2026
    • By author-avatar AmyGinsburg
    The quick takeaway Credit report errors can affect loans, housing, ...

    Continue reading

    17 Mar
    TCPA

    Robocalls and Spam Texts: A TCPA Guide for Consumers (What Counts and What to Save)

    • March 17, 2026
    • By author-avatar AmyGinsburg
    The quick takeaway If you’re getting repeated robocalls or spam tex...

    Continue reading

    house, home, building, architecture, housing, cottage, design, construction, house illustration, home illustration, cartoon house, house with chimney, house with car, rural house, cartoon rural house, house design, exterior, residential area, cartoon house, cartoon house, cartoon house, cartoon house, cartoon house
    17 Mar
    Estate Planning

    Protecting a Home From Medicaid Estate Recovery in Pennsylvania

    • March 12, 2026
    • By author-avatar AmyGinsburg
    For many families, the home is their most valuable asset. One of the most common concerns in long-term care plann...

    Continue reading

    17 Mar
    Uncategorized

    Stop Portfolio Recovery Calls: A Guide to Your Consumer Rights

    • March 17, 2026
    • By author-avatar AmyGinsburg
    When your phone rings with an unknown number, it's easy to feel a jolt of anxiety. If the caller is from Portfolio Recovery Associ...

    Continue reading

    17 Mar
    Dealer Fraud

    Spot Delivery Gone Wrong: What Happens When Car Financing Falls Through

    • March 17, 2026
    • By author-avatar AmyGinsburg
    The quick takeaway A “spot delivery” (sometimes called a “yo-yo sal...

    Continue reading

    Petition to File for Bankruptcy
    17 Mar
    Bankruptcy

    What Is the Bankruptcy Means Test?

    • March 17, 2026
    • By author-avatar AmyGinsburg
    When individuals consider filing bankruptcy, one of the first questions that arises is whether they qualify for C...

    Continue reading

    17 Mar
    Bankruptcy

    Will Bankruptcy Stop Foreclosure? What Homeowners Need to Know

    • March 17, 2026
    • By author-avatar AmyGinsburg
    For homeowners facing foreclosure, bankruptcy may provide a way to stop the process and protect their home. While...

    Continue reading

    17 Mar
    Estate Planning

    Estate Planning for Busy Families: The Basics You Need to Know

    • March 14, 2026
    • By author-avatar AmyGinsburg
    Estate planning isn’t just for the wealthy—it’s for anyone who wants to protect their loved ones and assets. Star...

    Continue reading

    16 Mar
    Uncategorized

    Chapter 7 vs Chapter 13 Bankruptcy: Which Is Right for You?

    • March 16, 2026
    • By author-avatar AmyGinsburg
    When people start researching bankruptcy, they often encounter two main options: Chapter 7 and Chapter 13. While ...

    Continue reading

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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
        • 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
          • 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
        • 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
        • 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
        • Travel Law
          • Travel Law & Personal Travel Tips with Amy Ginsburg
      • Locations
        • Contact Hixson, TN
        • Contact Towson, MD
        • Contact Fort Myers, FL
        • Contact Sacramento, CA
        • Contact San Antonio, TX
        • Contact Knoxville, TN