Debbie A. Cutler was born and raised in Malta as one of six children in the Owen family.

She received her B.A. in Political Science in 1984 from the University of South Florida and her Juris Doctorate from Albany Law School in 1987.

She has practiced in Saratoga County for over 32 years in such areas as personal injury, medicaid/elder planning, real property law, estate planning, estate administration, and litigation.

She is a member of the Saratoga Bar Association, New York State Bar Association, the Saratoga Chamber of Commerce, and Hope Church, PCA.