Pennsylvania Debt Settlement & Debt Resolution
Free Consultation Available
If you are overwhelmed by credit card debt, personal loans, or collection accounts, you may have options. At Ginsburg Law Group, our attorneys provide strategic, legally grounded debt resolution services to help Pennsylvania consumers pursue manageable solutions.
We do not run a “debt program.”
We provide legal representation.
What Is Debt Settlement?
Debt settlement is a negotiated resolution of a debt for less than the full balance owed. In some cases, creditors may agree to:
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Reduce the total balance
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Waive interest or fees
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Accept a lump-sum payoff
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Set up structured repayment terms
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Update credit reporting as part of resolution
However, creditors are not required to settle, and results vary depending on the account, age of the debt, financial circumstances, and creditor policies.
Why Work With a Law Firm?
There is a significant difference between hiring a settlement company and hiring a law firm.
When you work with Ginsburg Law Group:
✔ An attorney reviews your situation
✔ We evaluate potential legal defenses
✔ We assess statute of limitations issues
✔ We analyze collection compliance under consumer protection laws
✔ We communicate directly with creditors and their attorneys
✔ We advise you on risks, including litigation exposure
If a creditor violates the law during collection, we can identify and address those issues as part of your strategy.
Types of Debt We Handle
We assist with:
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Credit card debt
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Personal loans
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Collection accounts
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Charge-offs
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Medical debt
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Certain private student loans
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Judgment negotiations (case-specific)
If you have already been sued, we may discuss litigation representation under a separate agreement.
Important Things to Know
Debt resolution is not risk-free. You should understand:
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Creditors may refuse settlement.
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Accounts may continue to accrue interest or fees.
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Credit scores may decline during negotiations.
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Creditors may file lawsuits while negotiations are ongoing.
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Forgiven debt may have tax consequences.
We will explain these risks before any strategy is implemented.
Our Approach
Every case begins with a review of:
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Your financial situation
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The age and status of the debt
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Collection history
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Risk of legal action
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Your short- and long-term financial goals
We then discuss realistic options and negotiate where appropriate.
Our goal is to provide practical, legally sound guidance—not unrealistic promises.
Fees
We offer transparent fee structures and will clearly explain how fees are calculated before representation begins.
We do not guarantee results, and fees are based on legal services performed.
If you are enrolled in a legal plan such as MetLife, we can evaluate whether your plan provides coverage for debt-related services.
When Debt Settlement May Not Be the Right Option
In some cases, bankruptcy, litigation defense, or structured repayment may be more appropriate than settlement. We will advise you honestly if another strategy better fits your circumstances.
Speak With a Pennsylvania Debt Resolution Attorney
If you are dealing with collection calls, mounting balances, or pressure from creditors, you do not have to navigate it alone.
Contact Ginsburg Law Group to schedule a consultation and learn about your options.
No Guarantee / Results Vary
Disclaimer:
Past results do not guarantee future outcomes. Every case is different, and results depend on the facts, creditor policies, and other factors outside the Firm’s control. The Firm makes no guarantee that any creditor will agree to reduce a balance, accept settlement, or stop collection activity.
No Attorney-Client Relationship / No Legal Advice
Disclaimer:
The information on this website is provided for general informational purposes only and is not legal advice. Viewing this page, submitting an inquiry, or contacting the Firm does not create an attorney-client relationship. An attorney-client relationship is formed only after a signed written agreement is executed.
Debt Settlement Risks Disclosure
Disclaimer:
Debt settlement and debt resolution efforts may involve risks, including but not limited to negative credit reporting, continued collection activity, increased interest or fees, and potential litigation. Creditors are not required to negotiate or accept settlement terms.
Tax Consequences
Disclaimer:
Forgiven or canceled debt may be considered taxable income. The Firm does not provide tax advice, and clients should consult a qualified tax professional regarding potential tax consequences, including IRS reporting (such as Form 1099-C).
Third-Party / Creditor Independence
Disclaimer:
The Firm is not affiliated with any creditor, lender, collection agency, or credit reporting bureau. Creditors and collectors may choose whether to negotiate, settle, or pursue collection or litigation.
No Bankruptcy Advice Unless Specifically Retained
Disclaimer:
The Firm does not provide bankruptcy representation unless separately agreed in writing. If bankruptcy becomes an option, the Firm may recommend consultation with bankruptcy counsel.
Advertising / Attorney Advertising Statement
Disclaimer:
This website may be considered attorney advertising under the rules of professional conduct. Prior results do not guarantee a similar outcome.
Jurisdiction / Geographic Limitation
Disclaimer:
Ginsburg Law Group primarily represents clients in Pennsylvania and other jurisdictions where permitted. This website is not intended to solicit clients in states where the Firm is not authorized to practice law.
Communication Security
Disclaimer:
Do not send confidential information through this website or by email until an attorney-client relationship has been established. Communications sent through this website may not be secure.
