02 Apr

Debt Defense, FCRA, FDCPA, Consumer Protection, 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

Debt Defense, Debt Resolution

How to Negotiate Your Debt with Capital One (And Actually Get Results)

• April 2, 2026
• By AmyGinsburg

If you’re behind on a Capital One credit card, you’re not alone—and you’re not out of options.

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02 Apr

Estate Planning

Should You Use Your 401(k) to Pay Off Debt? What Consumers Need to Know

• April 2, 2026
• By AmyGinsburg

When debt starts piling up—credit cards, personal loans, medical bills—it’s natural to look for a quick way out. ...

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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

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

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

Can Debt Limit Your Freedom? The Hidden Costs Beyond Interest

• March 20, 2026
• By AmyGinsburg

Most people think of debt in financial terms. Interest rates. Minimum payments. late fees. Credit scores.

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31 Mar

FDCPA, Debt Defense

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

• March 20, 2026
• By AmyGinsburg

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

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

FDCPA, Debt Defense

Debt Collection Scams: How to Protect Yourself from Fake Collectors

• March 18, 2026
• By AmyGinsburg

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

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29 Mar

Debt Defense

Mass Defense vs. Default Judgments: A New Strategy to Shift the Legal System

• March 20, 2026
• By AmyGinsburg

The American legal system is built on a foundational promise: that every person is entitled to their “day in cour...

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