If you are struggling with credit card debt, collection accounts, or personal loans, you may have legal options. At Ginsburg Law Group, we represent consumers in New Jersey seeking debt resolution solutions through strategic negotiation and legally grounded advocacy.

Debt issues can feel overwhelming—but you do not have to handle them alone.

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Debt Settlement in New Jersey

Debt settlement (also called 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 more manageable repayment terms.

Depending on the circumstances, a creditor may agree to:

• Reduce the balance owed

• Waive interest or late fees

• Accept a lump sum settlement

• Agree to structured payment terms

• Resolve collection activity through a negotiated agreement

Creditors are not required to negotiate or settle, and outcomes depend on multiple factors, including the creditor’s policies, the age of the debt, and the client’s financial circumstances.

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Why Hire a Law Firm Instead of a Debt Settlement Company?

Many consumers are contacted by non-lawyer debt settlement companies offering fast fixes or guaranteed results. Those promises can be misleading.

When you work with Ginsburg Law Group, you receive legal representation—not a sales program.

We provide:

• Legal review of the debt and collection history

• Negotiation with creditors, collectors, and collection attorneys

• Advice regarding legal risks, including lawsuits

• Evaluation of consumer protection violations when applicable

• Written documentation of negotiated resolutions

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 New Jersey consumers with many forms of unsecured debt, including:

• Credit card debt

• Medical debt

• Personal loans

• Collection accounts

• Charge-offs

• Retail accounts

• Certain private student loan disputes (case-specific)

If you have already been sued, we may discuss litigation defense options under a separate agreement.

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What to Expect From the Debt Resolution Process

Debt resolution typically involves:

1. Reviewing the debt(s) and creditor communications

2. Assessing settlement leverage and legal defenses

3. Communicating with creditors or their counsel

4. Negotiating settlement offers or payment terms

5. Reviewing written settlement terms before payment

6. Advising the client on risk, timing, and next steps

Every case is unique, and some debts may not be eligible for settlement depending on the creditor’s position or the client’s financial situation.

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Important Information for New Jersey Consumers

Debt settlement can have significant consequences, including:

• Negative credit reporting

• Increased interest and fees

• Continued collection activity

• Possible lawsuits

• Potential wage garnishment or judgment enforcement

• Possible tax consequences for forgiven debt

We will discuss these issues with you before pursuing any settlement strategy.

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Transparent Fees

Our firm offers clear fee structures and explains legal fees before representation begins.

If you are enrolled in a legal plan (such as MetLife Legal Plan), we can determine whether your plan covers debt resolution-related services.

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Speak With a New Jersey Debt Resolution Attorney

If you are facing collection pressure or growing balances, it is important to understand your options before signing up with a non-lawyer debt relief company.

Contact Ginsburg Law Group today to schedule a consultation.

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NEW JERSEY REQUIRED & COMPLIANCE DISCLOSURES

Attorney Advertising / No Guarantee

Disclaimer: This website may be considered attorney advertising. Prior results do not guarantee a similar outcome. No attorney can guarantee the outcome of a legal matter, including whether a creditor will agree to reduce a balance or accept settlement terms.

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No Legal Advice / No Attorney-Client Relationship

Disclaimer: The information on this website is provided for general informational purposes only and is not legal advice. Contacting the Firm, submitting an online inquiry, or viewing this page does not create an attorney-client relationship. An attorney-client relationship is formed only after a written agreement is signed by the Firm and the client.

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Debt Settlement Risks

Disclaimer: Debt settlement and debt resolution efforts may involve risks, including negative credit reporting, continued interest and fees, ongoing collection activity, and the possibility of a lawsuit. Creditors are not required to negotiate or settle any debt.

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Tax Consequences

Disclaimer: Forgiven or canceled debt may be considered taxable income. The Firm does not provide tax advice. Clients should consult a qualified tax professional regarding possible tax consequences, including IRS reporting (such as Form 1099-C).

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Litigation Disclaimer

Disclaimer: Unless expressly agreed in writing, the Firm’s services may not include representation in a lawsuit. If a creditor files suit, the Firm may offer separate litigation representation or recommend other counsel.

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Jurisdiction / Licensing

Disclaimer: The Firm represents clients in New Jersey and other jurisdictions where permitted. This website is not intended to solicit clients in states where the Firm is not authorized to practice law.

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No Confidential Information Through Website

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

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Third-Party Independence

Disclaimer: The Firm is not affiliated with any creditor, lender, collection agency, or credit reporting bureau. Creditors and collectors may continue collection efforts and may choose whether to negotiate or pursue litigation.