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Wages About to be Garnished?


Frozen Bank Account?



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. 

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!

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Frequently Asked Questions

  • 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 Judgement 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 are My Rights?

    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.

Debt Happens Blog


  • Saved $34,000+ off the principal balances.

    Great to work with. Very up front and open, easy to communicate with, and gave solid guidance throughout the process.
    Results: 8 accounts in total. | Saved $34,000 off the principal balances. | No interest and no more collection calls.
    Dave T. From Fairport, NY
  • Saved 41% off the principle balance.

    Very satisfied. Everything was great.
    Results: One-time payment of $841. | Also obtained a payment from the debt collector for confidential amount for alleged FDCPA violations.
    Dave M. from North Tonawanda, NY
  • Saved $2,200.

    Thank you for all your assistance and hard work and I will be referring other people to you, because I can honestly say your organization cared about the client first.
    Results: Lawsuit by debt-buyer dismissed. | No payments. | Stopped collection calls.
    James C. from Rochester, NY
  • Saved over $4,000.

    I will recommend you to co-workers, friends and family.
    Results: Monthly payments of $125. | Prevented a judgment from being enforced involuntarily.
    Rafael, M. from Yonkers, NY
  • Saved over $2,400.

    I have my life back! So happy with the service.
    Results:One-time payment of $1,200. | Stopped collection calls and vacated a judgment.
    Kenneth T. from Staten Island, NY

Don’t worry about your debt, let us do that for you

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