28 Mar

Debt Defense

How to Answer a Debt Collection Lawsuit (Step-by-Step Guide)

• March 13, 2026
• By AmyGinsburg

Being served with a debt collection lawsuit can be overwhelming. Many consumers are unsure what to do after recei...

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28 Mar

Debt Defense

Credit Cards vs. Debit Cards: Which One Is Actually Safer for Your Wallet?

• March 20, 2026
• By AmyGinsburg

For years, consumers have heard mixed messages about credit cards and debit cards.

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26 Mar

Debt Resolution, Debt Defense

The Hidden Cost of Consumer Debt: How It Restricts Mobility

• March 20, 2026
• By AmyGinsburg

Consumer debt is often framed as a tool of opportunity—a means to build credit, access education, purchase a home...

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24 Mar

Debt Defense

Statute of Limitations for Credit Card Debt by State (Complete Guide)

• March 13, 2026
• By AmyGinsburg

When consumers fall behind on credit card payments, they often worry about whether a creditor or debt buyer may f...

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24 Mar

FDCPA, Debt Defense

Is the defendant even a “debt collector”?

• March 24, 2026
• By AmyGinsburg

One of the most overlooked — and outcome-determinative — issues in FDCPA litigation right now is this:

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24 Mar

Debt Defense

The Climate Debt Trap: Predatory Lending After Disasters and How to Avoid It

• March 20, 2026
• By AmyGinsburg

When people think about climate change, they usually picture storms, floods, wildfires, and rising temperatures. ...

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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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19 Mar

Debt Defense

Negotiating Student Loan Debt: What You Need to Know Before You Settle

• March 18, 2026
• By AmyGinsburg

Student loan debt can feel overwhelming—but many borrowers don’t realize that negotiation is sometimes possible, ...

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18 Mar

Uncategorized

Your Guide to Wage Garnishment Laws by State for 2026

• March 18, 2026
• By AmyGinsburg

Before a creditor can touch your paycheck, they have to play by the rules. While the specific protections you have can vary based on wa...

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