02 Apr

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

Use Credit Cards to Support Your Budget—Not Replace It

• April 2, 2026
• By AmyGinsburg
• 0 comments

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

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02 Apr

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

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

• April 2, 2026
• By AmyGinsburg
• 0 comments

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
• 0 comments

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

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

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

• April 2, 2026
• By AmyGinsburg
• 0 comments

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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01 Apr

FDCPA

New FDCPA Cases Show Continued Focus on Validation Rights and Cease-Communication Violations

• March 19, 2026
• By AmyGinsburg
• 0 comments

Another major trend in the newest filings is the continued use of the FDCPA’s debt validation and cease-communica...

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31 Mar

FDCPA

FDCPA Update: Courts Are Still Dismissing Claims When the Defendant Is Not Actually a “Debt Collector”

• March 19, 2026
• By AmyGinsburg
• 0 comments

One of the clearest themes in the newest FDCPA decisions is a familiar one: many claims still rise or fall on whe...

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31 Mar

Debt Defense, FDCPA

From Disaster to Debt: How Climate Risk Is Fueling Predatory Lending

• March 20, 2026
• By AmyGinsburg
• 0 comments

Natural disasters have always carried devastating human and economic consequences. But as climate change intensif...

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31 Mar

FDCPA

Cease and Desist Letters: How to Stop Debt Collector Calls

• March 18, 2026
• By AmyGinsburg
• 0 comments

If you’re overwhelmed by constant calls from debt collectors, you have the right to make them stop. Under the FDC...

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29 Mar

Debt Defense, FDCPA

Debt Collection Scams: How to Protect Yourself from Fake Collectors

• March 18, 2026
• By AmyGinsburg
• 0 comments

Not every debt collector is legitimate. In fact, scams involving fake debt collectors are on the rise—and they of...

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27 Mar

Bankruptcy, FDCPA

FDCPA Litigation Is Surging Around Bankruptcy and Discharged Debts

• March 19, 2026
• By AmyGinsburg
• 0 comments

One of the most significant trends in the newest filings is the continued rise of FDCPA claims tied to bankruptcy...

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