New York recently enacted the Consumer Credit Fairness Act (or “CCFA”) which significantly impacts the policies and procedures (previously in place for decades in New York) relating to consumer debt collection attempts, including lawsuits filed by alleged creditors or debt-buying companies. These changes are directed only at consumer credit transactions and at present will not…

On April 30, 2022, CPLR 5004 was changed to reflect New York State’s new post judgment interest rate for consumer debt. A “consumer debt” is defined as “any obligation or alleged obligation of any natural person to pay money arising out of a transaction in which the money, property, insurance or services which are the…

On April 3, 2020, New York State Governor, Andrew Cuomo, signed New York’s 2021 Executive Budget into law which added § 213-d to New York’s Civil Practice Law and Rules (CPLR). Section 213-d reduced the Statute of Limitations on medical debt from six (6) to three (3) years in New York. This means that an…

In this podcast, Frank Borgese discusses the topic of affidavit’s of service. He explains what they are, where to get one, and why it is important to you. If you have discovered a judgment against you, whether you were properly served or not, we can help. We have immense experience helping people with judgments and…

In this podcast, attorney Frank Borgese answers some frequently asked questions about debt collection. If you live in NY, NJ, or PA and are dealing with debt-related issues, we can help you no matter where you are in the debt collection process. Call us at 888-668-9071 to schedule a free consultation. Graham & Borgese |…

In this video, attorney Frank Borgese of the Law Offices of Graham and Borgese talks about how the recent COVID-19 pandemic has prompted some debt collection companies to take what they can get. That means you may be able to settle your debt now for much less than you previously would have been able to….

Attorneys Kris Graham and Frank Borgese of the Law Offices of Graham and Borgese have been protecting consumers in the state of New York and New Jersey by helping individuals address debt-related issues and find manageable solutions. They have helped thousands of individuals resolve their debt issues through their expert knowledge and practical approach. In…

Over the last few weeks, America has been dealing with an unprecedented situation. As many states, including New York & New Jersey shutdown all non-essential businesses, many people were hit with the realities of unemployment, reduced earnings, job furloughs and more. The impact has been immediate and widespread. Debt collectors can be relentless and ruthless…

Each year during the Holidays, too many people become stressed by the increased financial pressures of the season. They spend more than expected on gifts, travel and entertaining. When the new year begins, they are left trying to climb out of a financial hole. For people that are already struggling with debt, this extra spending…

On Nov. 3, 2019, 120 Western New York youth sports coaches were honored after being named to the first-ever Project Play WNY Coaches Honor Roll. Among the honorees was our firm’s co-founder Frank Borgese who is a youth coach for the Delaware Soccer Club where his son Dominic plays. Frank has a deep love of…

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