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Credit Card Debt

New York Credit Card Debt Relief Lawyers

Get Debt-Free with Our Skilled NY Attorneys

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When you can no longer make the minimum payment on your credit cards, your financial future is at risk. Many reasons can drive you to this point, from job loss to an unpredictable medical emergency. 

Regardless of the situation, credit card debt should not be taken lightly. If you do nothing about your credit card debt, you will face hits to your credit report, late fees, potentially raised interest rates, repetitive calls and letters from your creditor or a collection agency, and the prospect of a credit card lawsuit.

Why Choose Our Credit Card Debt Relief Attorneys?

At Graham & Borgese, we understand the stress and worry that severe credit card debt can bring to you and your family. We are here to help at any point, from when you first begin to struggle with debt overload to when you are experiencing ongoing creditor harassment due to default to when you have received notice of a lawsuit being filed against you. 

We know how to negotiate with credit card companies and collection agencies on your behalf, as well as fight back against debt lawsuits to find a solution appropriate to your situation, needs, and goals. With our help, you may be able to save money and find the debt relief you need.

Contact Our NY Debt Relief Lawyers for a Free Consultation at (888) 801-7765 or submit your details online. Serving New Jersey and Pennsylvania as well.

What Happens If I Can't Pay My Credit Card Bills?

Failure to pay your credit card bill can result in numerous penalties. The longer your bill goes unpaid, the more severe the consequences will be.

Penalties for Being 30 Days Late on Credit Card Payments

If your credit card bill is late by 30 days, you may be subjected to late fees and other penalties.

Additionally, you may receive negative feedback from Credit Bureaus, which will affect your credit score.

Risks of Being 60 - 180 Days Late on Credit Card Payments

If you are still unable to pay your credit card bill after 60 days, you may face even more severe penalties, including a lawsuit.

To start, your creditor may close your account in order to protect themselves from further financial loss. If this was an essential line of credit for you, having your account closed can be disastrous to your financial situation.

If your outstanding debt is still unpaid after several months, your credit card company may send the debt to a collection agency. Collection agencies tend to use any tactic they can in order to obtain payment. You may also face additional fees from the collection agency.

As a last resort to collect your debt, the credit card company may take legal action against you. You will have to appear in court and the judge may order one or more injunctions against you in order to secure repayment, including wage garnishment and property liens.

Resolve Your Credit Card Debt with Our NY Legal Team

Don't sit back and let credit card debt ruin your life. Our New York credit card debt lawyers have the skills to work on your behalf with your credit card company or the collection agency. Because our firm is devoted entirely to debt relief, we have gained enormous experience in this field after dealing with countless financial institutions and collection agencies on behalf of thousands of clients. 

If a settlement agreement cannot be reached with your creditor over the debt, a lawsuit may ensue, if it has not already been filed. We can guide you through the process of responding to it, gathering your evidence, preparing your case, and representing you in court. Throughout the entire process of any credit card debt matter, you will have our proven team on your side working to help you achieve the best possible result. 

  • “I spoke with Kris Graham who was very nice and answered all of my questions.” - Christina P.
  • “I was so grateful for their straightforward communication as they explained the options I had ahead of me.” - Heather F.
  • “I cannot believe how quickly Kris Graham and Frank Borgese settled my case!” - Bill S.

    How Can You Resolve My Credit Card Debt?

    At any point in this process, you can try to negotiate with your credit card company or the collection agency that has bought your credit card debt for a workable settlement.

    Options for handling your debt will depend on whether the debt is validly yours, whether you have enough disposable income to make payments, reviewing the credit card balance and suggested payments against your available income, and whether the credit card company will work with you in good faith to settle the debt. 

    Resolving credit card debt through negotiation can include trying to work out better terms, such as:

    • Reducing your overall debt amount
    • Lowering your interest rate
    • Lowering your payment
    • Forgiveness of late fees or other penalties
    • Forgiveness of the account balance

    Get trusted debt relief assistance by calling Graham & Borgese at (888) 801-7765 or contacting us online.


    We Make Debt Relief Easy

    Start Today With a Free Consultation!

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