Recent Blog Posts
What is the Difference Between Delinquency and Default with Debt?
With wages remaining stagnant and inflation resulting in an increase in costs, it is becoming more difficult for consumers in Georgia to pay their debts. Is more of your income going toward necessities, such as bills or groceries or childcare? Across the state and country, inflation is leading more Americans to take on debt… Read More »
Do I Have to Pay Credit Card Debt from Interest If I Settle My Debt?
The average credit card interest rate in the United States today is extremely high. According to LendingTree, the average APR for all credit cards is 23.79 percent, which represents an increase even from a few months prior. The maximum APR on all new credit card offers is at 27.41 percent as of May 2026,… Read More »
Is Credit Card Debt Settlement Worth It?
When you are struggling with credit card debt, you may be considering multiple options to help alleviate the financial strain you are under. You might be considering bankruptcy. Or you might be considering debt consolidation. At the same time, you might be thinking about debt settlement and wondering if it is the right option… Read More »
Can My Wages Be Garnished If I Settle My Debt?
Are your wages currently being garnished? Or have you received notice that a creditor is taking legal action against you that could result in your wages being garnished? If so, what this means is that a portion of your paycheck will be withheld and transferred to the creditor (or creditors) for debt you owe…. Read More »
Should I Consolidate Debt with a Personal Loan or Try to Settle My Debt?
When you are struggling with debt, it can feel nearly impossible to imagine yourself out of debt. You might be seeking information about options to ease some of the anxiety. Should you consider debt consolidation, for example? Or should you consider trying to negotiate a debt settlement agreement with creditors? According to a recent… Read More »
What Are My Options If I Am Struggling with Credit Card Debt?
When you are struggling with credit card debt, what are your options for getting some kind of relief? The answer will depend on your circumstances. It will also depend on your goal, whether that involves paying off your credit card debt or having it forgiven or discharged. Our Lilburn credit card debt lawyers can… Read More »
How to Start Rebuilding Your Credit After Debt Settlement
When you are behind on credit card payments and other debts, you may not see a way out of the financial circumstances you have found yourself in. While there are various options you may be able to consider for getting out of debt and getting a fresh start, you may want to consider debt… Read More »
What Type of Debt Will Be Quickest to Settle?
Are you struggling with debt and wondering about your eligibility for debt settlement? If so, you are not alone. Millions of Americans are having difficulty repaying debt, and a substantial amount of that debt is credit card debt. A recent CNBC report suggests a growing divide among credit card users in particular. About 60… Read More »
How Long Do I Need to Wait to Try to Settle Debt from the Holidays?
Georgia residents and consumers throughout the country took on a significant amount of debt during the 2025 holiday season. According to LendingTree data, Americans incurred an average of $1,223 during the holidays for gifts, travel, and other expenses. That number represents an increase from previous years. And many spent much more than that, even… Read More »
Can I Settle Debt with a Debt Collector?
If you owe unsecured debt that you are having difficulty repaying, you may be able to settle the debt for less than what you owe. Debt settlement is a common practice in Georgia that can result in a debtor paying only a percentage of their total debt. Often, debt settlement is discussed in relation… Read More »