Judgment Defense Attorneys in New York

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We can help you no matter where you are in the debt collection process. If you have a judgment against you, or are dealing with a different debt related issue, please fill out the form below, call us at (888) 801-7765, or use the chat option to speak with one of our local, experienced, debt defense attorneys. Our rates are low and our consultations are free. We make debt relief easy. Check out our reviews to see how we’ve helped many others in your situation. We look forward to hearing from you. Serving New York, New Jersey, and Pennsylvania.

Call (888) 801-7765 or contact us online to speak with our New York judgment defense attorneys today!

How Judgment Settlements Work in New York

Understanding how judgment settlements are handled in New York is critical for individuals facing debt issues. After a court enters a judgment, creditors have enforceable rights to pursue collection. Settlement negotiations in New York frequently involve direct communications with creditor attorneys, which may lead to agreements such as lump-sum settlements or customized payment plans for less than the full amount owed. A judgment settlement attorney in New York can help minimize added costs, like interest and fees, that accrue due to judgment enforcement.

At Graham & Borgese, we approach every judgment settlement by focusing on your needs and the details of your case. Our team reviews everything from the judgment amount and creditor history to precise court documentation before recommending a tailored strategy.

Steps to Take When a Judgment is Filed Against You

If you are like many of our past and present clients, you only discovered that a judgment was entered against you because:

• Your wages are about to be garnished,
• Your bank account has been frozen, or
• You can’t sell or refinance your home because a lien exists.

We understand that you are probably very stressed and anxious for a solution to your problem. That is why our knowledgeable and experienced attorneys will do everything in their power to help get you back on track as quickly as possible. You have questions and we have answers.

Understanding How Judgments are Obtained

In order for a creditor to obtain a judgment, they must first file a lawsuit in the appropriate Court and give you notice of the case so you can fight it if you choose. Sometimes, creditors fail to provide adequate notice of the lawsuit and obtain a judgment by default. Even if a judgment is obtained by default, it has the full force and effect as any other judgment (unless and until it is challenged and vacated).

Reasons Creditors Pursue Judgments

Creditors file lawsuits to confirm that you owe a debt and obtain a judgment so you can potentially be forced to repay it.

A judgment allows creditors to try and: 

• Garnish your wages
• Freeze your bank accounts 
• Place liens on your property

In each scenario, the creditor doesn’t have to deal with you directly to force you to pay.

Additionally, creditors want judgments because they can last up to twenty (20) years and accrue interest until they are repaid in full. From this perspective, a creditor knows that even if you are unable to repay the debt now, you may come into money or property later on in life, and the debt will likely be much larger. Thus, a judgment is security for the creditor and a significant burden for you.

The Role of a Judgment Settlement Attorney in New York

When you are facing a court judgment, working with a judgment settlement attorney in New York can make a substantial difference in both the outcome and the process. Experienced attorneys understand New York-specific laws and the intricacies of court systems, whether your case is in the New York City Civil Court, Kings County, Queens County, or Nassau County. This local knowledge enables your lawyer to work effectively with court staff, creditor attorneys and to spot procedural mistakes that could impact your case. The first step is always a comprehensive review of all court documents, collection notices, and legal procedures to determine if legal requirements were met and if the judgment is enforceable. If errors are found, we may pursue motions to vacate or to modify the judgment, giving you important options for relief beyond just repayment.

At Graham & Borgese, our team guides you through every stage of the judgment settlement process and tailors each strategy to your financial situation. Because we represent only debtors, not creditors, you can be sure our advice is always aligned with your best interests and free of conflicts. Our track record with thousands of New York cases allows us to deliver results through informed negotiation, in-depth legal review, and responsive communication. Throughout the process, we will clarify your rights, explain local legal procedures, and empower you to make informed decisions that move you closer to financial control.

Potential Risks & Consequences of Ignoring a Judgment in New York

Failing to address a judgment in New York can quickly result in serious financial repercussions. Creditors holding a valid judgment may move to garnish your wages, freeze your bank accounts, or place liens on property you own throughout New York State. As judgments accrue statutory interest, your debt can increase rapidly over time. Some enforcement actions involve court orders requiring disclosure of your financial information or even turnover of valuable assets. New York courts are rigorous in enforcing civil judgments, and ignoring the proceedings can negatively impact your financial well-being and credit standing.

The most effective way to deal with judgment enforcement in New York is to consult a judgment settlement lawyer in New York promptly. At Graham & Borgese, we help clients resolve their debt issues while explaining all potential consequences so they can make fully informed decisions. Our approach includes a thorough case review, personalized financial assessment, and legal strategy development—whether through settlement, requesting vacation of the judgment, or direct negotiation with the creditor.

Effective Strategies for Resolving Judgments

If you have a judgment against you in New York, New Jersey or Pennsylvania your options for resolving judgments range from debt settlement (i.e. payment plans or lump sum amounts) to filing motions to vacate the judgment so that you can either defend the lawsuit or throw out the case altogether.

We Are Here to Assist You with Your Debt Relief

Contact us today at (888) 801-7765, use our chat button, or fill out the form below. Our rates are low and our consultations are free. Take the first step towards debt relief and contact us today. 

Frequently Asked Questions

How Long Does a Judgment Stay on My Record in New York?

In New York, a civil court judgment can be enforced for up to 20 years after entry by the court. During this period, creditors can pursue various enforcement methods, including wage garnishment, bank account levies, and property liens across the state. Judgments may also appear on your credit report, potentially impacting your finances even after 20 years if not resolved. It is important to address outstanding judgments with the help of a judgment settlement attorney in New York to learn about possible options for challenging, vacating, or settling the judgment. 

Removing the judgment from public records or clearing property liens may require additional steps, which a qualified legal professional can guide you through to help restore your financial well-being.

Can My Wages or Bank Account Be Garnished Without Notice in New York?

Under New York law, creditors are generally required to provide notice before initiating wage garnishment or freezing your bank account. You should receive documentation, such as an income execution notice for wage garnishment or a restraining notice for bank accounts, which informs you of the creditor's intent and gives you a chance to respond or claim exemptions. However, the timeline for these actions can move quickly if you do not take steps to respond. 

There are protections under the New York Civil Practice Law & Rules that limit the portion of your wages that can be garnished, and exemptions for certain income types. A judgment settlement lawyer in New York can help ensure your rights are protected and that you receive proper notice throughout the enforcement process.

What Are My Options for Settling a Judgment If I Can’t Pay in Full?

Facing a court judgment you cannot pay in full? Several options are available in New York. Debt settlement negotiations may result in a reduced payment or a structured repayment plan with the creditor. In some cases, filing a motion to vacate the judgment may be appropriate—especially if there was insufficient notice or a procedural error. 

At Graham & Borgese, we explore alternatives such as making offers in compromise and advocating for reduced interest or waived fees for clients in financial distress. The right solution depends on your finances, the creditor's approach, and the procedures of the local court where your judgment was entered. Consulting a judgment settlement attorney in New York can increase your chances of a positive outcome and help protect your assets from further enforcement actions.

Contact us today, we make debt relief easy. Serving New York, New Jersey, and Pennsylvania.