Skip to main content

Kris J. Graham

Debt settlement Attorney at Williamsville, NY

5.0   5 reviews

Call and speak with several attorneys to find best fit for your specific legal issue.
Can't find what you are looking for?
Avvo has 97% of all lawyers in the US.
Find the best ones near you.
Find Nearby Lawyers

About Kris

Learn Kris’s areas of practice.

Practice areas
  1. Debt settlement
    This practice area includes defending lawsuits filed by alleged creditors and debt-buying companies, as well as resolving judgments that have already been entered (with or without the individual's knowledge).

    15 years

  2. Consumer protection

    15 years

  3. Debt collection

    15 years

  4. Bankruptcy and debt

    15 years

  5. Credit repair

    15 years

Mr. Graham is based out of Graham & Borgese's Rochester office. He has helped create a true rarity - a law firm that practices exclusively in the area of consumer advocacy. Mr. Graham previously worked for some of Rochester’s largest firms before branching off to focus on consumer issues. 

Mr. Graham received his J.D. from the Syracuse University College of Law, and his B.A. in communications from the State University of New York at Oswego. He is admitted to practice in New York State.

Photos and videos

Frank J. Borgese, Esq., Partner
Jennifer Owens, Paralegal
Martin C. Walker, Client Relations
Valerie B. Cristo, Billing Manager
Licensed for 19 years
State NY
Status Currently Registered
Acquired 2003
Updated 11/17/2022

We have not found any instances of professional misconduct for this lawyer.

Contact Kris

Graham & Borgese LLP
336 Harris Hill Rd
Williamsville, NY, 14221
Graham & Borgese LLP
1695 Allen Creek Road
Suite 140
Webster, NY, 14580
Hide locations


5.0 / 5.0
  5 customer reviews
5 Star
4 Star
3 Star
2 Star
1 Star
Posted by Vijay | March 28, 2018
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
Immediate Response
I was threatened with a lawsuit by a debt collector and did not now what to do. I requested a consultation through Attorney Graham's website and received a call from him directly within 10 minutes. He took the time to understand the situation and walked me through my options.
Posted by Steve | April 29, 2017
This review is from a person who hired this attorney.
| Hired Attorney
Great Experience!
I had a great experience working with Kris Graham and his law firm. I went through a divorce and job loss a couple of years ago and wondered how I was going to pay my bills. My nearly 800 credit score was slipping fast. It ultimately went below 500! I reached out to Kris Graham with much skepticism. I didn't know him or his law firm. I considered bankruptcy but didn't want to go that route unless there was absolutely no other choice. So I did what anyone would do when you reach out to a person you don't know, I asked myself is this a scam? can I trust this person and his firm? Well I decided to take the chance. It was a great decision! Kris and his firm did everything he promised and even more. As I watched my credit score going lower and lower and was getting the calls on the phone and knocks at the door, I was nervous and uncomfortable. I will never forget Kris's words to me when I called him. He said "hey Steve you have nothing to worry about, we are your net above you and below you. We will take care of everything," and guess what, someone in todays day and age actually did what they said they were going to do! Well my credit is on the way up and I even get credit card offers. Yes, I did accept one credit card offer but I wanted to have it in case I needed to rent a car or go on vacation with my family. Thank you Kris and Marty not only for all you've done for me and my family but much more than that, for reassuring me everything is going to be ok! You guys are the BEST!! Steve F.
Read less
Posted by anonymous | April 28, 2017
This review is from a person who hired this attorney.
| Hired Attorney
Great company
I needed a good lawyer to help me with a past debt from a long time ago! I finally found this company and gave them a call! I had spoken to Kris Graham and his staff and I explained the situation I had from this credit company who kept sending letters and annoying phone calls constantly! This company aand all of the staff really helped me big time by getting this debt cut down by alot! I would truly use them again if needed and I highy recommend them! Thank you for all you do!
Read less
Posted by Jim | May 16, 2015
Loan Default
As the co-signer for my son's very large student loan I recently landed in the cross hairs of the financial institution's collection department as a result of the loan's default status. I had no choices, they wanted the total balance Now! Facing a lawsuit I was desperate for some legal advise and was referred to Kristin Graham through our local board for lawyers. During our first phone conversation Kristin listened to my situation, we reviewed options and we entered into an agreement for a plan. We agreed with the compensation arrangements of which I felt was very fair. Information was provided in a timely manner and I felt very confident with the progress. Within a short period of time Mr. Graham was able to negotiate a settlement from the bank which far exceeded my exceptions! It was more than a 50% reduction of the loan balance. This settlement keep me from having to apply for a home equity load. What a relief. My overall rating for Mr. Graham and his staff is a true reflection of my experience with this case which in simple terms carries a very high recommendation.
Read less
Posted by Mary | May 7, 2015
Solution without Judgement
My husband and I had an enormous amount of debt, we were with another debt solution company who left us high and dry when we received five summons all at one time, they failed to do what they promised when we signed on with them. Their fees were enormous amounts that they did not make us aware of up front and when we received the five summons they did not help us, We received letters from several attorney;s offices stating that they could help us with our problem. I had received letters from Kris's office stating that they could help us and for whatever reason I saved the letters why I do not know but I am glad I did, when the other company failed to represent us I called Kris's office spoke with one of the attorneys who told me to contact Kris, when we met I was very upset, embarrassed due to the financial situation that we were in and did not know what to expect, When Kris came into the office he was very friendly, looked at all of the paperwork never made me feel uncomfortable and more important never made me feel like he was judging us on our situation. He looked at the five summons and immediately took charge of those and our other debts that we owed and suggested a plan of action to settle everything to help us get out of debt. I sincerely feel that Kris and his partner saved my life and was very supportive in helping us to regain control of our future. All of our meetings were very productive, he handled any and all calls from creditors and he managed to help us to be debt free, My husband and I are feel very fortunate to have had a Kris Graham to guide us in our financial situation and more important to help find the solution with our judging us. We will always be grateful to Kris for helping us to have control of our future, Our first mistake was to get into debt, our second mistake was to not look for someone local.
Read less


  • Free Consultation 60 minutes
Payment methods
Cash, Check, Credit Card


AVVO RATING 7.4 (Very Good)

Work Experience

  • Founding Partner
  • Graham & Borgese LLP
  • 2011 - Present


  • Syracuse University
  • JD - Juris Doctor
  • 2002
  • State University of New York, College at Oswego
  • BA - Bachelor of Arts
  • 1999


  • Monroe County Bar Association
  • Member
  • N/A

Languages Spoken

  • English

Speaking Engagements

  • Continuing Legal Education
  • Fair Debt Collection Practices Act
  • 2009

Attorney endorsements

Received (4)
Given (4)
Endorse Kris
Consumer protection Attorney | Jun 03
Relationship: Fellow lawyer in community
"With absolute confidence, I refer debt-defense/debt settlement cases (I especially those in upstate courts) to Kris Graham because I know he acts quickly, fairly, and effectively. His ethics and follow-up skills are exceptional. This community of lawyers is privileged to have Kris and his firm in it."
Consumer protection Attorney | Jun 02
Relationship: Worked together on matter
"Attorney Kris Graham is highly knowledgeable in his field and an asset to the legal community. I endorse this lawyer."
Debt settlement Attorney | Oct 07
Relationship: Co-worker
"Kris Graham is a very caring attorney who will try to understand how your legal issues have impacted your everyday life and make every effort to set things right again."
Debt settlement Attorney | Aug 29
Relationship: Fellow lawyer in community
"Mr. Graham is a very saavy consumer debt attorney to whom I have referred more than one client. I endorse his work."
Debt settlement
Debt settlement
Debt settlement
Personal injury
Williamsville Debt settlement Lawyer Kris J. Graham
Kris J. Graham
Debt settlement Attorney
Williamsville, NY
Licensed for 19 years
Free Consultation