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

At Ginsburg Law Group, we provide attorney-directed debt resolution representation to help Wyoming consumers evaluate settlement opportunities and pursue negotiated resolutions when appropriate.

We do not operate a debt relief “program.”
We provide legal representation tailored to each client’s 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 balance owed or to establish structured repayment terms.

Depending on the creditor and the circumstances, a creditor may agree to:

• Accept a reduced lump sum payment

• Waive certain interest or fees

• Establish structured repayment terms

• Resolve a charged-off account

• Provide written settlement documentation

Creditors are not required to negotiate or settle debts. Results vary depending on creditor policies, account history, and financial circumstances.

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Why Work With a Debt Resolution Attorney?

Many consumers are approached by non-lawyer settlement companies offering fast solutions or guaranteed results. Those services may not provide meaningful legal analysis or protection.

When you retain Ginsburg Law Group:

✔ An attorney evaluates your debts and collection history
✔ We assess statute of limitations issues
✔ We evaluate litigation risk and enforcement exposure
✔ We communicate directly with creditors and their representatives
✔ We negotiate settlement terms and review written documentation
✔ We advise you regarding legal options and alternatives

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 Wyoming 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 been sued, litigation representation may require a separate written agreement.

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Important Considerations for Wyoming Consumers

Debt settlement may involve risks and consequences. 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 lawsuits before or during negotiations.

• Forgiven debt may have tax consequences.

We will review these issues with you before proceeding.

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Transparent Legal Fees

Our firm provides written fee agreements that clearly explain how legal 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 plan provides coverage for debt-related legal services.

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Schedule a Consultation

If you are facing creditor pressure in Wyoming, 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.

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Wyoming 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 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 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 judgment enforcement. Creditors may pursue legal remedies 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 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 Wyoming 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.