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    The Ginsburg Law Group, P.C. Blog

    Supreme Court of the United States located in Washington DC which interprets laws. It is the Judicial Branch of the US government.
    13 May
    Consumer Law

    Supreme Court Shadow Docket Explained: What Consumers Need to Know About Debt, Credit, and Housing Laws

    • May 13, 2026
    • By author-avatar AmyGinsburg
    Most Americans have never heard the phrase “shadow docket.” Yet in ...

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    Scrabble tiles spelling CREDIT arranged in a row on a wooden table with a blurred background.
    13 May
    FCRA

    FCRA Lawsuits Surge in 2026 as Congress, Regulators, and Consumers Push for Major Credit Reporting Changes

    • May 13, 2026
    • By author-avatar AmyGinsburg
    The Fair Credit Reporting Act (“FCRA”) is once again at the center of intense legal, political, and regulatory at...

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    Man hand open an empty wallet with copy space
    13 May
    Debt Defense, FDCPA, Consumer Law

    How State Debt Collection Laws Can Provide Stronger Consumer Protections Than the FDCPA

    • May 13, 2026
    • By author-avatar AmyGinsburg
    When consumers hear about debt collection harassment, robocalls, collection lawsuits, or abusive collection tacti...

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    Hair salon interior with wooden pillars, a stylist and client at the reception counter looking at a tablet screen amidst styling chairs and mirrors in the background.
    13 May
    MCA, FDCPA

    Could the FDCPA Soon Apply to Commercial Debt? What Small Business Owners Need to Know

    • May 13, 2026
    • By author-avatar AmyGinsburg
    For decades, the Fair Debt Collection Practices Act (“FDCPA”) has primarily protected individual consumers—not bu...

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    13 May
    FDCPA

    FDCPA Lawsuits Surge in 2026 as Illegal Debt Collection Texts Draw Increased CFPB Scrutiny

    • May 13, 2026
    • By author-avatar AmyGinsburg
    Consumer protection litigation is once again on the rise. According...

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    Close-up of a red stop sign with the white word STOP visible in the frame.
    13 May
    FDCPA, TCPA

    FCC Delays “Revoke All” Consent Rule Until 2027: What Consumers and Businesses Need to Know

    • May 13, 2026
    • By author-avatar AmyGinsburg
    The Federal Communications Commission (FCC) has officially delayed one of the most closely watched consumer commu...

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    Person in a suit uses a yellow highlighter to mark a line on a credit report at a clean desk, with an envelope and ticket nearby
    13 May
    FCRA

    FCRA Credit Reporting — How to Dispute Errors the Right Way (and What to Keep)

    • May 13, 2026
    • By author-avatar AmyGinsburg
    Why credit report errors are so frustrating A credit report error c...

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    Desk scene with a laptop, a smartphone showing notifications, and a mug on a wooden table; plant and books in the background.
    13 May
    TCPA

    TCPA Robocalls & Texts — A Consumer’s Guide to Building a Strong Paper Trail

    • May 13, 2026
    • By author-avatar AmyGinsburg
    Why documentation is everything with robocalls/texts The Telephone ...

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    Woman at a wooden desk in a bright home kitchen, holding a smartphone with a visible call screen, with a notebook and envelopes on the table nearby
    13 May
    FDCPA

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

    • May 13, 2026
    • By author-avatar AmyGinsburg
    The FDCPA in plain English The Fair Debt Collection Practices Act (...

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    Receptionist at a counter with a clipboard in a car service shop; mechanic works on a car in the background under the hood.
    13 May
    Lemon Law

    Lemon Law / Breach of Warranty — The Repair Order Checklist That Can Make or Break Your Case

    • May 13, 2026
    • By author-avatar AmyGinsburg
    Why repair orders matter so much If your vehicle has repeated probl...

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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
        • Consultations
      • 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