If you are overwhelmed by credit card debt, collection accounts, or personal loans, you may have legal options.

At Ginsburg Law Group, we provide attorney-directed debt resolution representation to consumers seeking structured, legally informed solutions. We do not operate a debt relief “program.” We provide individualized legal representation tailored to each client’s circumstances.

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What Is Debt Settlement?

Debt settlement (also called debt resolution) is the process of negotiating with a creditor or debt collector to resolve a debt for less than the full amount owed or to establish structured repayment terms.

Depending on the creditor and circumstances, a resolution may include:

• A reduced lump sum payoff

• Waiver of certain interest or fees

• Structured payment arrangements

• Written settlement documentation

• Resolution of charged-off accounts

Creditors are not required to negotiate or accept reduced payments. Results depend on many factors, including creditor policies, account history, financial hardship, and legal exposure.

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Legal Representation vs. Debt Settlement Companies

There is a significant difference between hiring a law firm and enrolling in a non-lawyer debt settlement company.

When you retain Ginsburg Law Group:

✔ An attorney evaluates your debts and collection history
✔ We assess statute of limitations issues
✔ We analyze potential legal defenses
✔ We evaluate litigation risk
✔ We communicate directly with creditors and their counsel
✔ We review and document negotiated agreements

If a creditor violates consumer protection laws, we evaluate whether additional legal remedies may apply.

Our role is to provide legal advice and representation — not sales-based enrollment in a settlement program.

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Types of Debt We Help Resolve

We assist clients with many forms of unsecured debt, including:

• Credit card debt

• Medical debt

• Personal loans

• Retail accounts

• Collection accounts

• Charge-offs

• Certain private student loan disputes (case-specific)

If litigation has already been filed, representation may require a separate written agreement.

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Important Considerations Before Pursuing Debt Settlement

Debt settlement is not risk-free. Clients should understand:

• Creditors may refuse to negotiate.

• Collection efforts may continue during negotiations.

• Interest and fees may continue to accrue.

• Credit reporting may be negatively affected.

• Creditors may file lawsuits before or during negotiations.

• Forgiven debt may have tax consequences.

We review these risks before recommending any strategy.

In some cases, litigation defense, structured repayment, or bankruptcy consultation may be more appropriate.

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Transparent Legal Fees

We provide written fee agreements that clearly explain how legal fees are calculated.

Fees are charged for professional legal services performed and are not contingent upon outcome unless expressly stated in writing.

If you are enrolled in a legal plan such as MetLife Legal Plan, we can evaluate whether coverage applies to debt-related services.

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States We Serve

We provide debt resolution representation in the following states:

• Pennsylvania

• New Jersey

• Maryland

• Tennessee

• Florida

• Texas

• Arizona

• California

• Wyoming

(Visit your state-specific page for detailed information and disclosures.)

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Schedule a Consultation

If you are facing creditor pressure, it is important to understand your legal options before enrolling in any debt relief program.

Contact Ginsburg Law Group to schedule a consultation.

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Nationwide Compliance & Consumer Disclosures

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Attorney Advertising

This website may be considered attorney advertising. Prior results do not guarantee a similar outcome.

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No Guarantee of Results

The Firm makes no promise or guarantee that any creditor will reduce a balance, waive fees, stop collection activity, or accept settlement terms. Creditors are not required to negotiate or settle debts. Outcomes depend on the specific facts of each case and factors beyond the Firm’s control.

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Not a Debt Relief Company

The Firm provides legal services through licensed attorneys pursuant to a written engagement agreement. The Firm is not a non-lawyer debt settlement or debt management company.

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No Legal Advice / No Attorney-Client Relationship

The information on this website is provided for general informational purposes only and does not constitute legal advice. Viewing this website, submitting an inquiry, or contacting the Firm does not create an attorney-client relationship. An attorney-client relationship is formed only through a signed written agreement.

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Debt Settlement Risks

Debt settlement and debt negotiation efforts may involve risks, including negative credit reporting, continued interest and fees, ongoing collection activity, litigation, and judgment enforcement.

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Tax Consequences

Canceled or forgiven debt may be considered taxable income. The Firm does not provide tax advice. Clients should consult a qualified tax professional regarding potential tax consequences, including IRS Form 1099-C.

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Litigation Disclaimer

Unless expressly agreed in writing, the Firm’s services may not include representation in a lawsuit. If litigation is filed, separate representation may be required.

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Jurisdiction & Licensing

The Firm represents clients only in jurisdictions where its attorneys are licensed or otherwise permitted to practice law. This website is not intended to solicit clients in jurisdictions where the Firm is not authorized.

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No Confidential Information Through Website

Do not send confidential information through this website or by email until an attorney-client relationship has been established. Online communications may not be secure.