New York Credit Card Debt Relief Lawyers

Get Debt-Free with Our Skilled NY Attorneys

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. 

Local Student Debt Relief Solutions for New Yorkers

In New York, the burden of student debt is a pressing issue for many residents, especially with the rising costs of education and living expenses. Local government resources, such as the New York State Higher Education Services Corporation (HESC), provide valuable information on student loan repayment options and relief programs. However, navigating these options can be overwhelming, and many individuals find themselves unsure of where to turn for help.

We understand that student debt can lead to significant financial stress, impacting your ability to make timely payments on credit cards and other obligations. The pressure of high monthly payments can result in late fees, damaged credit scores, and even legal action from creditors. Our team is here to help you tackle these challenges head-on, providing guidance tailored to your unique situation.

Whether you're a recent graduate from a local university or a long-time resident struggling with student loans, we recognize the pain points you face. The fear of defaulting on loans can be paralyzing, and the constant barrage of calls from creditors can add to your anxiety. Our knowledgeable team is committed to helping you explore all available options for student debt relief, including income-driven repayment plans and potential loan forgiveness programs.

By working with our New York-based attorneys, you can gain clarity on your financial situation and take proactive steps toward regaining control. We are dedicated to helping you find the relief you need, so you can focus on building a brighter financial future for yourself and your family.