If you are struggling with credit card debt, collection accounts, or personal loan balances in Texas, you may have legal options.

At Ginsburg Law Group, we provide attorney-directed debt resolution representation to Texas consumers seeking structured, legally grounded solutions.

We do not operate a debt relief “program.”
We provide legal representation tailored to your financial circumstances and risk exposure.

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What Is Debt Settlement?

Debt settlement (also referred to as 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 manageable repayment terms.

Depending on the circumstances, a creditor may agree to:

• Accept a reduced lump sum payment

• Waive certain interest or fees

• Establish structured repayment terms

• Negotiate resolution of a charged-off account

• Enter into a written settlement agreement

Creditors are not required to negotiate or accept reduced payments. Results vary depending on the creditor’s policies, account history, financial hardship, and other case-specific factors.

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Why Work With a Texas Debt Resolution Attorney?

Many consumers are approached by non-lawyer debt relief companies that advertise guaranteed reductions or government-style programs. These services may not evaluate legal defenses or litigation risk.

When you retain Ginsburg Law Group:

✔ An attorney reviews your debts and collection history
✔ We evaluate statute of limitations issues
✔ We assess litigation exposure and judgment risks
✔ We analyze potential consumer protection violations
✔ We communicate directly with creditors or their attorneys
✔ We review and document negotiated settlement terms

Texas has unique debtor protections, including limits on wage garnishment in most consumer debt cases. We evaluate these issues as part of your overall strategy.

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Types of Debt We Help Resolve

We assist Texas consumers with:

• Credit card debt

• Medical debt

• Personal loans

• Retail accounts

• Collection accounts and charge-offs

• Certain private student loan disputes (case-specific)

If a lawsuit has already been filed, litigation representation would require a separate written agreement.

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Important Considerations for Texas Consumers

Debt resolution involves risks and should be approached carefully. Clients should understand:

• Creditors may refuse to negotiate.

• Collection activity may continue during negotiations.

• Interest and fees may continue to accrue.

• Credit reporting may be negatively affected.

• Creditors may file suit before or during negotiations.

• Settled or forgiven debt may have tax consequences.

We discuss these considerations before recommending any strategy.

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Transparent Legal Fees

Our firm provides written fee agreements explaining how fees are calculated.

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 determine whether your coverage applies to debt-related legal services.

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Schedule a Consultation

If you are facing creditor pressure in Texas, it is important to understand your legal rights before enrolling in any debt relief company or program.

Contact Ginsburg Law Group to schedule a consultation.

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Texas Compliance & Consumer Disclosures

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Attorney Advertising

This website may be considered attorney advertising.

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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.

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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.

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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 potential judgment enforcement. Creditors may pursue legal remedies unless otherwise restricted by law.

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Not a Debt Management Services Company

The Firm provides legal services and is not a non-lawyer debt management services company. Legal representation is provided by licensed attorneys pursuant to a written engagement agreement.

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Tax Consequences

Canceled or forgiven debt may be considered taxable income under federal law. The Firm does not provide tax advice. Clients should consult a qualified tax professional regarding potential tax consequences, including IRS 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 litigation is filed, separate representation may be required.

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Jurisdiction and Licensing

The Firm represents clients in Texas 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.

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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.

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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.