08 Jul

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

Can a Bank Remove Late Payments or Charge-Offs as a Courtesy? Understanding Goodwill Credit Adjustments

• July 8, 2026
• By AmyGinsburg
• 0 comments

You've finally done everything right. You paid off the balance.

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10 Jun

Debt Resolution, FDCPA, Debt Defense

Debt Buyer vs. Debt Collector: What’s the Difference and Why It Matters

• June 10, 2026
• By AmyGinsburg

If you've received a collection letter, seen a collection account on your credit report, or been sued over an old...

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21 May

Debt Defense, FDCPA, Merchant Cash Advance, Debt Resolution, General Financial, MCA

Spartan Collection Practices and the Growing Pressure on Small Businesses

• May 19, 2026
• By AmyGinsburg

For small business owners, access to fast capital can feel like a necessity rather than a choice. Unexpected expe...

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12 Apr

Debt Resolution, Debt Defense

Debt Collection Lawsuit: What Happens If You Don’t Respond (And How to Avoid a Default)

• March 20, 2026
• By AmyGinsburg

A lot of consumers make the same mistake when they get sued over a debt: they ignore it. ...

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10 Apr

Bankruptcy, Debt Defense, Consumer Protection, Debt Resolution, General Financial

How to Request a Hardship Accommodation from Creditors (and Actually Get a Yes)

• April 10, 2026
• By AmyGinsburg

When life takes an unexpected turn—job loss, medical issues, divorce, or a sudden drop in income—keeping up with ...

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10 Apr

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

If You Can’t Pay It Off This Cycle, Don’t Swipe: The Rule That Can Keep You Out of Credit Card Debt

• April 2, 2026
• By AmyGinsburg

Credit cards are one of the most powerful financial tools available—and one of the easiest to misuse.

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08 Apr

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

Should You Make Multiple Payments on Your Credit Card Each Month? The Benefits (and When It Actually Matters)

• April 2, 2026
• By AmyGinsburg

When it comes to managing credit cards, most people follow a simple rule:

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04 Apr

Debt Defense, Debt Resolution

How to Negotiate Your Debt with Credit One Bank (What You Need to Know Before You Call)

• April 2, 2026
• By AmyGinsburg

If you’ve fallen behind on a Credit One Bank credit card, you’re not alone—and you’re not without options.

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03 Apr

Debt Defense, Debt Resolution

How to Negotiate Your Debt with Chase (And What Most People Get Wrong)

• April 2, 2026
• By AmyGinsburg

Falling behind on a Chase credit card can feel overwhelming—but you’re not stuck.

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02 Apr

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

Interest vs. APR (and Other Credit Card Terms You Must Understand to Avoid Costly Mistakes)

• April 2, 2026
• By AmyGinsburg

If you’ve ever looked at your credit card statement and felt confused by the terminology, you’re not alone.

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