If you are overwhelmed by credit card debt, collection accounts, or personal loan balances, you may have legal options. At Ginsburg Law Group, we provide attorney-directed debt resolution representation for consumers in Tennessee.

We help clients evaluate debt-related risks and pursue negotiated resolutions when appropriate.

Debt settlement is not a one-size-fits-all solution. Our goal is to provide realistic legal guidance and strategic negotiation tailored to your situation.

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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, a creditor may agree to:

• Reduce the total balance owed

• Waive interest or fees

• Accept a lump sum settlement

• Establish structured payment arrangements

• Resolve the debt through written settlement documentation

Creditors are not required to negotiate, and results vary depending on the creditor, account history, financial circumstances, and timing.

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Why Work With a Tennessee Debt Resolution Attorney?

Consumers are often approached by non-lawyer settlement companies that advertise quick fixes or guaranteed reductions. Those services may not provide meaningful legal analysis or protection.

When you retain Ginsburg Law Group, you receive legal representation from an attorney, including:

• Review of debt and collection history

• Evaluation of statute of limitations and legal defenses

• Direct communication with creditors and their counsel

• Negotiation of settlement terms and written agreements

• Advice regarding risks of litigation and judgment enforcement

• Review of settlement documentation before payment

Our services are designed to protect clients and ensure that negotiated resolutions are documented properly.

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Types of Debt We Help Resolve

We assist Tennessee consumers with many types 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 you have already been sued, representation in litigation may require a separate written agreement.

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Important Considerations for Tennessee Consumers

Debt resolution can involve significant consequences. Clients should understand:

• Creditors may refuse to negotiate or settle.

• Interest and fees may continue to accrue.

• Collection activity may continue during negotiations.

• Credit reporting may be negatively affected.

• Creditors may file lawsuits before or during negotiations.

• Settled or forgiven debt may have tax consequences.

We will explain these risks and review your options before moving forward.

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Transparent Legal Fees

Our firm provides clear fee structures and written agreements. 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 review whether your plan provides coverage for debt-related legal services.

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Schedule a Consultation

If you are facing collection pressure in Tennessee, you should understand your rights and options before committing to any debt settlement company or program.

Contact Ginsburg Law Group to schedule a consultation.

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Tennessee 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 regarding the outcome of any debt settlement or negotiation. Creditors are not required to reduce balances, waive fees, stop collection activity, or accept settlement terms. Results depend on creditor policies, financial circumstances, and other 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 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 through a signed written agreement.

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Debt Settlement Risks

Debt settlement and debt negotiation efforts may involve risks including negative credit reporting, continued collection activity, increased interest or fees, and the possibility of litigation or judgment enforcement. Creditors may pursue legal action at any time 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 reporting such as 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 a creditor files suit, separate litigation representation may be required.

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Jurisdiction / Licensing Disclaimer

The Firm represents clients in Tennessee 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

Do not send confidential 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 program. Creditors and collectors may independently decide whether to negotiate, settle, or pursue litigation.