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Debt Settlement

New York Debt Settlement Lawyers

Settle Your Debt for Less in New Jersey and Pennsylvania

At Graham & Borgese, we truly understand the reasons people experience debt problems: Illness, loss of employment, divorce, loss of income, growing families, unexpected expenses, unreasonable fees, exorbitant interest rates, and so on. Furthermore, we realize that no matter what the reason was for your monetary woes, your overall goal is to simply improve your finances as quickly as possible, for as little as possible. That is why our debt settlement law firm fights diligently to help our clients settle their debts fast and for less. We are a local law firm with offices throughout NY and NJ, and 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 out. Our experience allows us to negotiate meaningful debt settlements for our clients.

Why It Makes Sense to Hire Graham & Borgese to Settle Your Debt

Our legal fees are simple, direct, and clear to calculate, and there are never any hidden charges.

Unlike debt settlement companies, we have licensed, experienced attorneys on staff who will continue to handle your collection account — even if a lawsuit is filed along the way. Graham & Borgese won’t leave you stranded or charge you additional fees to achieve your goals.

Our attorneys always see to it that a settlement is finalized in written, contractual form, and the terms are always reviewed by an attorney to ensure a creditor does not/cannot take advantage of you.

Graham & Borgese is well-versed in collection laws. You can rest assured that your rights are not being violated by unscrupulous debt collectors.

We provide direct and personal contact with our clients to keep them in the loop throughout the process. You are not an account member or client ID number. You will speak with the same person through the handling of your file, further establishing the recognition and trust that our law firm prides itself on.

Credit Card Debt Is a Killer

Credit card debt is one of the leading sources of debt and bankruptcy in the country. 

Did You Know?

  • Half of Americans have outstanding credit card debt
  • Households with credit card debt owe an average of $6,000
  • It could take a decade to pay off a balance of just $5,700
  • One-fifth of Americans owe more on credit cards than they have in emergency savings
  • There’s a good chance you’ll die with credit card debt

We are skilled in debt negotiation and delivering meaningful settlements when dealing with credit card companies. If you’re behind on your credit card bills and do nothing about it, the interest and penalties will continue to build, and you will eventually find yourself facing a lawsuit. Don’t let things get that far. We can settle your credit card bills for less than you owe and for less than most other debt settlement services. We aim to get you out of debt, not add to it.

  • “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.

    Don’t Hire a Debt Settlement Company

    There are countless numbers of “debt settlement” companies across the country that make big, bold, and exciting claims regarding the money they can save you. The problem? The vast majority of these companies actually add to your debt problems by charging vague and exorbitant fees for their services and otherwise failing to negotiate meaningful settlements for your debt. What’s worse? Many of these companies actually tell their clients to stop paying bills even though they are current, because they want to “frighten” creditors into settling debts. This only leads to lawsuits, inflated debt amounts, and more severely damaged credit.

    Hiring a debt consolidation company isn’t the answer either. These companies are also rarely able to negotiate meaningful resolutions to your debt problems. Instead of consolidating your debt, we actually get your principal balances reduced and are often able to get interest and penalties waived.


    Our debt settlement attorneys in New York can be reached online or via phone at (888) 801-7765.


    We Make Debt Relief Easy

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