Category Archives: Debt Settlement
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 »
How to Deal with Credit Card Debt Harassment in the New Year
Household credit card debt reached record highs in 2025 while Americans also continued to deal with debt from auto loans, mortgages, and student loans according to ABC News. Between 2019 and 2025, consumer debt rose by $4.4 trillion. In addition, data shows that more consumers are missing credit card payments. Some are approaching delinquency,… Read More »
Will the Types of Purchases or Transactions Affect My Credit Card Debt Settlement Negotiations?
Credit card debt is a burden to millions of Americans, including consumers throughout the state of Georgia. According to recent data from LendingTree, credit card debt in the country totaled nearly $1.25 trillion by the end of 2025. That number represents a significant increase from previous years and reveals that credit card debt has… Read More »
What You Should Know About a Proposed Credit Card Interest Rate Cap
Georgia residents, like many others across the country, are struggling with credit card debt. As recent news reports have noted, interest rates have been especially high and inflation has resulted in higher consumer costs. When those two factors are considered together, they often mean that Americans are charging more than they can repay each… Read More »
How Will Debt Settlement Affect My Credit Score?
Are you considering debt settlement but concerned about how it will affect your credit score? For most debtors in the Lilburn area who are thinking about debt settlement as a possibility, the impact of a debt settlement agreement on your credit score will be significantly less than the impact of failing to repay the… Read More »
Settling Medical Debt to Avoid Wage Garnishment
Medical debt has become a significant burden in this country, and Lilburn residents like other Americans struggle to pay back hospital and other health care bills. For most people with unpaid medical debt, taking on that debt did not feel like a choice. In most circumstances, it was necessary because of a serious health… Read More »
Can I Settle “Buy Now, Pay Later” Debt?
Are you among the approximate 50 percent of Americans who have used a “buy now, pay later” plan? According to a recent article in The New York Times, these layaway-style credit plans have become extremely popular. The plans allow consumers to “purchase” an item up front but to delay payments for weeks, months, or… Read More »
Can This Type of Debt Get Settled? Questions About Common Kinds of Consumer Debt
Consumer debt is a heavy weight for many residents of Lilburn and throughout the state of Georgia. For some debtors, debt settlement might be the best option for getting out of debt. How does debt settlement work? In short, the debtor works with a debt settlement lawyer to negotiate a payoff amount with the… Read More »
Can I Settle My Student Loans to Get Out of Debt?
Student loan debt is a serious issue for many Georgia residents. In fact, it is one of the leading types of debt associated with high amounts and defaults. According to a recent CNBC report, borrowers in Georgia and across the country are approaching a “default cliff.” What does that term mean? In short, federal… Read More »
How Long Will Debt Settlement Stay on My Credit?
If you are in a financial situation where you are struggling to repay debt, you may be exploring options for getting out of debt, including having your debt forgiven or discharged. In a debt settlement, a portion of your debt is forgiven in exchange for your agreement to pay the remaining portion of your… Read More »