Maryland Debt Settlement & Debt Resolution

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    If you are facing mounting credit card balances, collection letters, or creditor pressure in Maryland, you may have legal options.

    At Ginsburg Law Group, we provide legal representation to Maryland consumers seeking to resolve unsecured debts through negotiation and strategic legal advocacy.

    We do not operate a debt relief “program.”
    We provide attorney-directed legal services tailored to your circumstances.

    What Is Debt Settlement?

    Debt settlement (also called debt resolution) involves negotiating with a creditor 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

    • Waive interest or fees

    • Offer structured repayment terms

    • Negotiate resolution prior to or after charge-off

    • Consider hardship accommodations

    Creditors are not required to settle, and outcomes vary based on the facts of each case.

    Why Work With a Maryland Attorney?

    Maryland has strong consumer protection laws, and collection practices are regulated under both state and federal law.

    When you retain our firm:

    ✔ An attorney evaluates your debt and collection history
    ✔ We assess potential legal defenses
    ✔ We evaluate statute of limitations issues
    ✔ We review possible violations of Maryland and federal law
    ✔ We negotiate directly with creditors or their attorneys
    ✔ We advise you about litigation risk

    If a creditor violates applicable consumer protection laws, we can evaluate whether additional legal remedies are available.

    Types of Debt We Handle

    We assist Maryland consumers with:

    • Credit card debt

    • Medical debt

    • Personal loans

    • Collection accounts

    • Charge-offs

    • Certain private student loan disputes (case-specific)

    • Pre-litigation settlement negotiations

    If you have been sued, litigation representation would require a separate written agreement.

    Important Considerations for Maryland Consumers

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

    • Creditors may refuse to negotiate.

    • Interest and fees may continue to accrue.

    • Collection activity may continue during negotiations.

    • Credit reporting may be negatively affected.

    • Creditors may file suit before or during negotiations.

    • Forgiven debt may have tax consequences.

    We will discuss these risks with you before implementing any strategy.

    Transparent Legal Fees

    Our firm explains fee structures clearly before representation begins.

    Fees are based on 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.

    Schedule a Consultation

    If you are dealing with creditor pressure in Maryland, it is important to understand your legal options before signing up with a non-lawyer debt relief company.

    Contact Ginsburg Law Group to schedule a consultation.

    Maryland Compliance & Required Disclosures

    (Recommended placement: bottom of page in a clearly marked “Disclosures” section)

    Attorney Advertising

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

    No Guarantee of Results

    No attorney can guarantee that a creditor will agree to reduce a balance, waive fees, accept settlement terms, or stop collection activity. Outcomes depend on creditor policies, financial circumstances, and other factors beyond the Firm’s control.

    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 page, contacting the Firm, or submitting an inquiry does not create an attorney-client relationship. An attorney-client relationship is formed only through a signed written agreement.

    Debt Settlement Risks

    Debt settlement and debt negotiation efforts may involve risks, including negative credit reporting, continued interest and fees, collection activity, litigation, and potential judgment enforcement. Creditors are not required to negotiate or settle debts.

    Tax Consequences

    Canceled or forgiven debt may be considered taxable income under federal or state law. 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

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

    Jurisdiction and Licensing

    The Firm represents clients in Maryland 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 via Website

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

    Third-Party Independence

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