Debt Lawsuits

If you’ve just learned that you’ve been sued by a creditor, it is imperative that you contact an attorney right away to ensure that a judgment is not entered against you. Most times, an Answer must be filed, but the proper arguments need to be raised or they can be waived.

Frozen Bank Accounts

If your bank account has been frozen, that most likely means that a creditor has obtained a judgment against either you or someone you share the bank account with.  Creditors are allowed to do this so they can put significant pressure on you to pay your debt.

Wage Garnishments

Have you been notified that your wages will be garnished? Maybe you didn’t even know that a lawsuit had been filed against you or you even owed a debt. We will explain the process to you and make a plan of attack to get you the best results possible.

Debt Settlement

We fight diligently to help our clients settle their debts fast and for less. Unlike national debt settlement companies, we hold ourselves to a high ethical standard, to ensure that we lawfully and zealously represent the people who have put their trust in us to help them.


“At Graham & Borgese, our overall goal is to help you resolve your debt related issues and improve your quality of life, while also minimizing the stress that debt can cause.”

— Kris Graham

– Licensed Attorneys

– Knowledgeable and Accessible

– Affordable Fees & Payment Plans

– No Court Appearances

– We Stop Harassing Phone Calls

– We Save Our Clients Money

  • Who is Graham and Borgese?

    Graham & Borgese is a debt defense law firm dedicated to helping people deal with debt issues that have become or will become legal matters. Whether you are being contacted by debt collectors, sued by creditors, including credit card companies, having your wages garnished, your bank accounts frozen, our law firm can help. We will take the time to inform you of your options so you can make an informed decision that best suits your needs. Call us today at 888.668.9071 for a free consultation or fill out the contact form below.

    We offer extremely affordable rates and payment plan options to all of our clients to ensure that people of all financial situations can obtain sound legal representation. At Graham & Borgese, our overall goal is to improve your quality of life and minimize the stress that debt issues can cause. If you have any questions or concerns, we urge you to call our office right away. There is no obligation of any kind to retain our legal services and our initial consultations are free.

    Let our lawyers do for you, what we have done for so many others throughout New York and New Jersey. Contact us today to set up an appointment and take the first step to resolving your debt-related issue. We hope to hear from you soon!

  • I’m Being Sued By A Creditor, What Should I Do?

    If you’ve just learned that you’ve been sued, it is imperative that you contact an attorney right away to ensure that a judgment is not entered against you. Most times, an Answer must be filed, but the proper arguments need to be raised or they can be waived. Do not call the creditor’s attorneys, since their main interest is collecting money and judgments for their clients.

  • How Do I Know If A Judgment Has Been Filed Against Me?

    You should receive notice from the creditor who obtained the judgment, but it is also possible to discover a judgment was entered against you one of several other ways, including: finding it on your credit report, learning that a lien is preventing the sale or refinance of your home, being served with a property levy, bank restraining notice or income execution, or simply calling the Court Clerk for the county in which you live to see if they have any judgment records for you.

  • My Wages Are Being Garnished, What Can I Do?

    Depending on how long your wages have been garnished, and several other factors, you may be able to stop the garnishment altogether by challenge the underlying judgment with the Court. Alternatively, you may be able to negotiate a settlement, though different strategies have to be employed to obtain the best results possible.

  • I’m Being Harassed By Debt Collectors, What Can I Do?

    Federal and State debt collection laws exist to ensure that debt collectors engage in fair collection activity that generally prohibits unfair, deceptive or abusive behavior. If your rights under these various laws have been violated, you can typically sue the collector for money damages and recover your attorney’s fees and costs.


Mr. Borgese is based out of Graham & Borgese’s Buffalo office. He is admitted to practice law in both New York and New Jersey. He has focused his entire legal career on consumer rights, having filed hundreds of lawsuits against debt collectors who violated the Fair Debt Collection Practices Act (FDCPA) and defending countless other creditor-debtor lawsuits.
Mr. Graham is based out of Graham & Borgese’s Rochester office. He has helped create a true rarity – a law firm that practices exclusively in the area of consumer advocacy. Mr. Graham previously worked for some of Rochester’s largest firms before branching off to focus on consumer issues.
Stephen M. Lentz is an Associate Attorney serving Graham & Borgese’s Pennsylvania and New Jersey clients. He provides consumer defense counsel and advocacy for clients in all 21 counties of the Garden State, and all 67 counties in the Commonwealth.


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*NO Child Support, Taxes, or Criminal Law Related Cases Accepted. We DO NOT collect debts. We defend People IN debt.

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