If you are struggling with credit card debt, collection accounts, or personal loans in Florida, you may have legal options.

At Ginsburg Law Group, we provide attorney-directed debt resolution representation to help Florida consumers evaluate and pursue negotiated resolutions when appropriate.

We do not operate a debt settlement “program.”
We provide legal representation tailored to your circumstances.

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What Is Debt Settlement?

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

Depending on the account and financial circumstances, a creditor may agree to:

• Accept a reduced lump sum payment

• Waive certain fees or interest

• Establish structured payment terms

• Resolve a charged-off account

• Enter into a written settlement agreement

However, creditors are not required to negotiate or settle, and outcomes depend on many factors, including creditor policy and the specific facts of the case.

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Why Work With a Florida Attorney?

Many consumers are approached by non-lawyer debt relief companies advertising quick solutions or guaranteed reductions. These companies may not evaluate legal defenses or litigation risks.

When you work with Ginsburg Law Group:

✔ An attorney reviews your debt and collection history
✔ We evaluate potential statute of limitations issues
✔ We assess litigation exposure and defense options
✔ We communicate directly with creditors or their attorneys
✔ We negotiate written settlement documentation
✔ We advise you about legal risks and alternatives

If a creditor or collector violates state or federal law, we can evaluate whether additional legal remedies may apply.

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Types of Debt We Help Resolve

We assist Florida consumers with many types of unsecured debt, including:

• Credit card debt

• Medical debt

• Personal loans

• Retail accounts

• Collection accounts and charge-offs

• Certain private student loan disputes (case-specific)

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

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Important Considerations for Florida Consumers

Debt settlement may involve risks and consequences, including:

• Continued collection activity

• Interest and fees continuing to accrue

• Negative credit reporting

• Possible lawsuits

• Potential wage garnishment (subject to Florida law exemptions)

• Possible tax consequences for forgiven debt

Before pursuing any strategy, we will review your situation and explain your options.

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Transparent Legal Fees

Our firm provides written fee agreements that clearly explain how legal fees are calculated.

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

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

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Schedule a Consultation

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

Contact Ginsburg Law Group to schedule a consultation.

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Florida 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. Results depend on the facts of each case and factors beyond the Firm’s control.

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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 after a written agreement is signed.

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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. Creditors may pursue legal remedies at any time unless otherwise restricted by law.

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Tax Consequences

Canceled or forgiven debt may be considered taxable income under federal law. 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 Representation 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 and Licensing

The Firm represents clients in Florida and other 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 to practice.

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No Confidential Information Through Website

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

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Third-Party Independence

The Firm is not affiliated with any creditor, lender, collection agency, credit reporting agency, or government debt relief program. Creditors and collectors independently determine whether to negotiate or pursue collection or litigation.