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        • Estate Planning Guide: Revocable vs. Irrevocable Trusts
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        • Estate Planning – What Your Family Should Know
        • Best Practices – Powers of Attorney & Health Care Directives
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        • Estate Planning – Living Trusts 101
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        • Estate Planning Guide: Florida
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    Debt Defense

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    03 Jun
    Debt Defense, Merchant Cash Advance, MCA

    “I Can’t Access My Own Money”: How Merchant Cash Advance Collection Tactics Can Cripple a Small Business

    • June 3, 2026
    • By author-avatar AmyGinsburg
    When most business owners think about debt collection, they imagine phone calls, demand letters, or perhaps even ...

    Continue reading

    Bronze statue of a armored warrior with a tall crested helmet, gripping a sword in one hand and a shield in the other against a clear blue sky in the background, front-facing stance.
    03 Jun
    Debt Defense, Merchant Cash Advance, MCA

    Sued by Spartan Capital or Another Merchant Cash Advance Company? What Small Business Owners Need to Know

    • June 3, 2026
    • By author-avatar AmyGinsburg
    Many small business owners turn to Merchant Cash Advances (MCAs) when traditional financing is unavailable. MCA c...

    Continue reading

    03 Jun
    Debt Defense, FDCPA

    Sued or Contacted by Portfolio Recovery Associates? Here’s What You Need to Know

    • June 3, 2026
    • By author-avatar AmyGinsburg
    If you've received a collection letter, phone call, credit report notification, or lawsuit from Portfolio Recover...

    Continue reading

    calculator
    03 Jun
    Debt Defense, FDCPA

    Debt Buyers Like Midland Funding: What Consumers Need to Know Before Paying a Collection Account

    • June 3, 2026
    • By author-avatar AmyGinsburg
    If you've recently received a collection letter, phone call, or lawsuit from Midland Funding, Midland Credit Mana...

    Continue reading

    Person with hands covering their face, sitting on a patterned chair in a cozy indoor space.
    21 May
    MCA, General Financial, Debt Resolution, Merchant Cash Advance, FDCPA, Debt Defense

    Spartan Collection Practices and the Growing Pressure on Small Businesses

    • May 19, 2026
    • By author-avatar AmyGinsburg
    For small business owners, access to fast capital can feel like a necessity rather than a choice. Unexpected expe...

    Continue reading

    Close up of man hand using calculator.
    19 May
    MCA, FDCPA, Debt Defense

    Spartan and Aggressive Commercial Collection Tactics: What Businesses Need to Know

    • May 19, 2026
    • By author-avatar AmyGinsburg
    For many small and midsize businesses, access to working capital can mean the difference between surviving a diff...

    Continue reading

    Man in a blue shirt writes on papers at a wooden table, with a laptop, calendar, and envelope nearby in a cozy home office.
    14 May
    Debt Defense

    Sued by a Debt Collector? A Calm, Practical Guide to Responding (and What to Document)

    • May 14, 2026
    • By author-avatar AmyGinsburg
    Getting served with a debt collection lawsuit can feel scary—especially if you’re not sure whether the debt is ev...

    Continue reading

    14 May
    Debt Defense

    Can Fighting a Debt Lawsuit Save You Money? What Most People Get Wrong

    • April 23, 2026
    • By author-avatar AmyGinsburg
    If you’ve been sued for a debt, your first thought is probably something like:

    Continue reading

    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...

    Continue reading

    Infographic titled Common Debt Buyer Problems showing six numbered panels about issues like no proof of ownership, missing contract, wrong balance, identity theft, time-barred debt, and robo-signed affidavits, with Ginsburg Law branding on the left and a defender character on the right.
    11 May
    Debt Defense

    How to Fight a Debt Buyer Lawsuit: Common Errors and Consumer Defenses

    • May 11, 2026
    • By author-avatar AmyGinsburg
    Debt buyer lawsuits have become one of the most common forms of consumer litigation in America. Every day, consum...

    Continue reading

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      Office: 855-978-6564

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      653 W. Skippack Pike
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      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
        • Ginsburg Law Group Case Analyzer
        • Legal Service Plans and Legal Insurance Plans
          • Legal Plan – Estate Planning
        • Client Resources
          • GLG Consumer Academy
          • 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 – Resource Center
          • 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 – Conversation Guide
            • 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