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Coming in Phase 2Frequently Asked Questions
A debt collector keeps calling me. What can I do?Collection Calls
Under the FDCPA, you have the right to request written validation of the debt and to send a written cease-communication request. Keep a call log of every contact. Repeated or harassing calls, calls to your workplace, or threats may violate federal or state law. This is general information, not legal advice.
Answered by: Attorney, Ginsburg Law Group, P.C.
I was served with court papers. What should I do first?Lawsuits
Do not ignore them. Check the response deadline — it varies by state and court and can be short. Keep the original summons and complaint and the envelope. Consider filing an answer and reviewing the Collection Lawsuits course. A consultation can help you understand deadlines and defenses.
Answered by: Attorney, Ginsburg Law Group, P.C.
My bank account was frozen. Are my benefits protected?Garnishment
Many federal benefits (Social Security, SSDI, VA benefits) are generally exempt from garnishment, but you may need to claim exemptions to release frozen funds. Act quickly — there can be short deadlines. Document which deposits are exempt benefits. Review your state resource page for local procedures.
Answered by: Attorney, Ginsburg Law Group, P.C.
Can I dispute something on my credit report?Credit
Yes. You can dispute inaccurate information with both the credit bureau and the furnisher in writing. Keep copies of everything. Bureaus generally must investigate within 30 days. Avoid credit-repair companies that charge upfront fees or promise guaranteed removals.
Answered by: Attorney, Ginsburg Law Group, P.C.
Should I file bankruptcy?Bankruptcy
Bankruptcy is one option among many. Whether it fits depends on your debts, income, assets, and goals. Chapter 7 and Chapter 13 work differently. Review the Bankruptcy Basics course and consider a consultation — this decision has long-term consequences.
Answered by: Attorney, Ginsburg Law Group, P.C.
General educational information. This is not legal advice and does not create an attorney-client relationship.
Attorney Amy Ginsburg is responsible for the content of this communication.
Information is general in nature and may not apply to your specific situation. Laws vary by state and change over time. Nothing on this platform should be used as a substitute for the advice of a competent attorney licensed in your jurisdiction.