02 Apr

General Financial, FCRA, FDCPA, Consumer Law, Debt Resolution

Use Credit Cards to Support Your Budget—Not Replace It

• April 2, 2026
• By AmyGinsburg

Credit cards are everywhere. They’re convenient, widely accepted, and often come with rewards, perks, and protect...

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02 Apr

Debt Resolution, General Financial, Consumer Law, Debt Defense, FCRA, FDCPA

Lowering Your Credit Card Utilization vs. Chasing Points: Why One Builds Wealth—and the Other Can Quietly Cost You

• April 2, 2026
• By AmyGinsburg

Credit cards are often marketed as a win-win: Earn...

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02 Apr

Debt Defense, FCRA, FDCPA, Consumer Law, Debt Resolution, General Financial

Statement Balance vs. Current Balance: The Credit Card Confusion That Costs You Money

• April 2, 2026
• By AmyGinsburg

If you’ve ever logged into your credit card account and felt confused by the numbers you see, you’re not alone.

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02 Apr

Debt Defense, FCRA, Consumer Law, Debt Resolution

Statement Closing Date vs. Payment Due Date: What Actually Matters for Interest, Credit Reporting, and Your Financial Health

• April 2, 2026
• By AmyGinsburg

When it comes to credit cards, most people focus on one date—and one date only:

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02 Apr

FCRA, Consumer Protection, Consumer Law, Debt Resolution

Stop Treating Your Credit Card Like Extra Money — Start Treating It Like a Bill

• April 2, 2026
• By AmyGinsburg

For many people, credit cards feel like a financial safety net—or worse, a source of “extra” money. Swipe now, wo...

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02 Apr

Consumer Protection, Debt Defense, FCRA, FDCPA, Consumer Law, Debt Resolution

Time for Truth: You cannot keep using your credit cards while trying to pay them off.

• April 2, 2026
• By AmyGinsburg

If you’re serious about getting out of credit card debt, here’s a hard truth most people don’t want to hear:

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02 Apr

Consumer Protection, Consumer Law

How Consumer Protection Law Fights Poverty: The Economic Justice Case

• March 20, 2026
• By AmyGinsburg

For decades, consumer protection law has often been viewed as a technical field—focused on disclosures, complianc...

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27 Mar

Consumer Law, Consumer Protection

How Poverty and Consumer Law Collide in Everyday Life

• March 20, 2026
• By AmyGinsburg

Consumer law can sound like a technical subject. It brings to mind contracts, disclosures, finance charges, and l...

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24 Mar

Debt Defense, Consumer Protection, Consumer Law

The Debt You Never Chose: How Coerced Debt Destroys Credit

• March 20, 2026
• By AmyGinsburg

Financial abuse is one of the most insidious—and least understood—forms of intimate partner violence. While physi...

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21 Mar

Debt Defense, Consumer Law

The Hidden Disadvantages of Going to Court Without a Lawyer

• March 20, 2026
• By AmyGinsburg

Every day, across the country, millions of people walk into courtrooms alone.

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