DEBT DEFENSE & RELIEF

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!

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.

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.

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.

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.