Sometimes, consumer justice needs a custom mix.
Legal remedies get shaken, stirred, & skillfully combined 🍹
We blend laws like TCPA, FDCPA, FCRA, and Lemon Law into potent legal cocktails that pack a punch. Whether it’s a splash of credit reporting and a twist of robocall violations, or a garnish of deceptive practices law, this is where we break down complex multi-issue situations into smooth, easy-to-sip strategies.
The Rise in Consumer Debt — and How to Protect Yourself
Knowing Your Rights Makes the Difference
11/3/25 - If your credit card balances or loan payments feel like they’re getting harder to handle, you’re not alone. Across the country, consumer debt has reached record highs, and many households are struggling to keep up.
But here’s the good news: you have powerful legal protections when it comes to debt, credit reporting, and collection practices — and knowing your rights can make all the difference.
How We Got Here
According to the Federal Reserve, U.S. household debt has now topped $18 trillion — the highest it’s ever been.
- Credit card debt is over $1.2 trillion, as more families rely on plastic to cover basic needs.
- Auto loans total nearly $1.7 trillion, with higher interest rates making car payments tougher to afford.
- Mortgage balances continue to rise as home prices and taxes climb.
- Student loans are back in repayment, creating new financial strain for millions.
Even though many people are still managing to pay their bills, more Americans are falling behind — and creditors are getting more aggressive in response.
When Debt Turns Into a Legal Problem
Debt doesn’t just affect your credit score — it can lead to lawsuits, garnishments, and lasting financial damage if not addressed early.
Here’s how it can unfold:
- A credit card or loan account becomes past due, and the balance is sold to a collection agency.
- You start receiving calls and letters — some of which may violate your rights under the Fair Debt Collection Practices Act (FDCPA) if they’re misleading, threatening, or harassing.
- If the debt isn’t resolved, the collector might file a lawsuit against you. If you don’t respond, they can win by default and pursue wage garnishment, bank levies, or liens.
That’s where debt defense comes in. With experienced legal help, you can challenge the debt, demand proof, negotiate a reduction, or even get the case dismissed. Many lawsuits are filed without proper documentation or in violation of consumer protection laws — and consumers who know their rights have the upper hand.
What If You’re Drowning in Debt?
When your debt load becomes unmanageable, bankruptcy may offer a fresh start. Despite the stigma, bankruptcy is often a smart, lawful way to:
- Stop creditor harassment immediately through the automatic stay
- Eliminate unsecured debt like credit cards or medical bills
- Protect your home, car, and wages from collection
- Rebuild credit faster than many people expect
Depending on your situation, Chapter 7 or Chapter 13 bankruptcy may be an option. Both are powerful tools for honest consumers who simply need a reset.
An experienced attorney can help you explore whether bankruptcy or debt defense is the better fit — and protect your rights either way.
Your Credit Report Matters Too
Your credit report plays a major role in your financial life, but it’s often riddled with errors — from outdated accounts to debts that don’t belong to you.
That’s where the Fair Credit Reporting Act (FCRA) comes in.
It gives you the right to:
- Dispute inaccurate information
- Have incorrect data corrected or removed
- Seek compensation
- if a credit bureau or creditor fails to fix verified errors
If an error on your report is preventing you from getting a loan, renting an apartment, or securing a job, you may have a valid FCRA claim — and our firm can help enforce your rights.
How Ginsburg Law Group Can Help
At Ginsburg Law Group, we represent consumers across Pennsylvania and neighboring states who are facing:
- Debt collection harassment or misleading tactics (FDCPA claims)
- Lawsuits filed by creditors or debt buyers (debt defense)
- Inaccurate credit reporting (FCRA violations)
- Overwhelming financial pressure where bankruptcy might be the best solution
We know that falling behind on bills doesn’t mean you’re irresponsible — it means life happened. Job loss, medical expenses, inflation, and unexpected emergencies can hit anyone. What matters now is taking action to protect your future.
Take Back Control - Debt doesn’t define you — and you have more options than you think. Whether it’s defending a lawsuit, stopping abusive collectors, cleaning up your credit, or getting a clean slate through bankruptcy, we’re here to help you find the right path forward.
Contact Ginsburg Law Group today for a confidential consultation. Let’s talk about your situation, explain your rights, and start building your path to financial peace of mind.