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

At Ginsburg Law Group, we provide attorney-directed debt resolution representation to help Arizona consumers pursue negotiated resolutions and better understand their legal rights.

We do not operate a debt relief “program.”
We provide individualized legal representation based on your 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 negotiate structured repayment terms.

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

• Reduce the balance owed

• Waive certain interest or fees

• Accept a lump-sum settlement

• Establish structured payment terms

• Provide written settlement documentation

Creditors are not required to negotiate or accept settlement terms. Results vary based on the creditor, the age of the debt, the consumer’s financial situation, and other factors.

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Why Work With an Arizona Debt Resolution Attorney?

Many consumers are approached by non-lawyer settlement companies offering quick fixes or guaranteed savings. These companies often do not provide legal analysis, litigation risk evaluation, or attorney oversight.

When you retain Ginsburg Law Group:

✔ An attorney evaluates your debts and collection history
✔ We assess potential statute of limitations issues
✔ We evaluate litigation risk and creditor enforcement options
✔ We communicate directly with creditors, collectors, and their attorneys
✔ We negotiate settlement terms and review written agreements
✔ We advise you on legal alternatives when appropriate

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 Arizona consumers with many forms 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 been filed, litigation representation may require a separate written agreement.

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Important Considerations for Arizona Consumers

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 will discuss these risks and your options before proceeding.

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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 evaluate whether your plan provides coverage for debt-related legal services.

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Schedule a Consultation

If you are facing creditor pressure in Arizona, it is important to understand your rights and options before enrolling in any non-lawyer debt settlement program.

Contact Ginsburg Law Group to schedule a consultation.

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Arizona 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 specific 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 potential judgment enforcement. Creditors may pursue legal remedies unless otherwise restricted by law.

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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 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 Arizona and other jurisdictions where permitted. 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, settle, or pursue collection or litigation.