02 Apr

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

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

• April 2, 2026
• By AmyGinsburg

Credit cards are often marketed as a win-win: Earn...

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02 Apr

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

Statement Balance vs. Current Balance: The Credit Card Confusion That Costs You Money

• April 2, 2026
• By AmyGinsburg

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

Debt Defense, Debt Resolution, Consumer Law, FCRA

Statement Closing Date vs. Payment Due Date: What Actually Matters for Interest, Credit Reporting, and Your Financial Health

• April 2, 2026
• By AmyGinsburg

When it comes to credit cards, most people focus on one date—and one date only:

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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

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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27 Mar

Bankruptcy, FDCPA

FDCPA Litigation Is Surging Around Bankruptcy and Discharged Debts

• March 19, 2026
• By AmyGinsburg

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

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27 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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