California Debt Settlement & Debt Resolution
Free Consultation Available
alifornia Debt Settlement & Debt Resolution Attorney
If you are struggling with credit card debt, collection accounts, or personal loan balances in California, you may have legal options.
At Ginsburg Law Group, we provide attorney-directed debt resolution representation for California consumers seeking negotiated resolutions and legally informed strategies.
We do not operate a debt relief “program.”
We provide individualized legal representation based on your specific financial circumstances and risk exposure.
What Is Debt Settlement?
Debt settlement (also referred to as debt resolution) involves 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 circumstances, a creditor may agree to:
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Accept a reduced lump sum payment
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Waive certain interest or fees
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Enter into a written settlement agreement
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Establish structured repayment terms
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Resolve charged-off accounts
Creditors are not required to negotiate or settle. Results vary based on creditor policy, the age and status of the debt, financial hardship, and other case-specific factors.
Why Work With a California Debt Resolution Attorney?
California has strict consumer protection laws governing debt collection and settlement practices. Many non-lawyer debt settlement companies advertise fast or guaranteed results without providing meaningful legal analysis.
When you retain Ginsburg Law Group:
✔ An attorney reviews your debt and collection history
✔ We assess statute of limitations issues
✔ We evaluate litigation risk and potential defenses
✔ We communicate directly with creditors and collection attorneys
✔ We negotiate settlement terms and review documentation
✔ We advise you regarding alternative legal options when appropriate
If a creditor or collector violates California or federal law, we can evaluate whether additional legal remedies may apply.
Types of Debt We Help Resolve
We assist California consumers with various types of unsecured debt, including:
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Credit card debt
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Medical debt
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Personal loans
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Retail accounts
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Collection accounts and charge-offs
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Certain private student loan disputes (case-specific)
If a lawsuit has already been filed, litigation representation may require a separate written agreement.
Important Considerations for California Consumers
Debt settlement may involve risks and financial consequences. Clients should understand:
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Creditors may refuse to negotiate or settle.
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Collection activity may continue during negotiations.
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Interest and fees may continue to accrue.
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Credit reporting may be negatively affected.
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Creditors may file lawsuits before or during negotiations.
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Forgiven debt may have tax consequences.
Before implementing any strategy, we review your situation and explain your options.
Transparent Legal Fees
Our firm provides written fee agreements clearly explaining how legal fees are calculated.
Fees are charged for professional 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.
Schedule a Consultation
If you are facing creditor pressure in California, it is important to understand your legal rights before enrolling in any debt relief program or service.
Contact Ginsburg Law Group to schedule a consultation.
California Compliance & Consumer Disclosures
Attorney Advertising
This website may be considered attorney advertising. Prior results do not guarantee a similar outcome.
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.
Not a Debt Settlement Company
The Firm provides legal representation through licensed attorneys. The Firm is not a non-lawyer debt settlement or debt management company. Legal services are provided pursuant to a written engagement agreement.
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.
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 unless otherwise restricted by law.
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.
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.
Jurisdiction and Licensing
The Firm represents clients in California 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.
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.
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.
