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  • Understanding Blanket Liens: A Debtor's Defense Guide
    Understanding Blanket Liens: A Debtor's Defense Guide

    What is a Blanket Security Agreement? A blanket security agreement is a contract between a borrower and a lender that grants the lender a security interest in multiple assets or all assets of the ...

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  • Levy vs. Seizure: How Creditors Enforce Judgments Against Your Property in New York
    Levy vs. Seizure: How Creditors Enforce Judgments Against Your Property in New York

    What is a Levy? Under New York Civil Practice Law and Rules (CPLR) Article 52, the term levy describes two distinct enforcement methods: Levy by service of execution (CPLR § 5232 (a)) – The sheriff, ...

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  • The Heightened Challenges Debt Collectors Face in Litigation in 2025
    The Heightened Challenges Debt Collectors Face in Litigation in 2025

    Debt Collectors Confront Tougher Landscape in New York (2025) New York’s Consumer Credit Fairness Act (CCFA) took effect on April 7 2022, slashing the statute of limitations on consumer-credit suits ...

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  • Can a Debt Collector Place a Lien on My Home? Yes, Here's How
    Can a Debt Collector Place a Lien on My Home? Yes, Here's How

    Yes. When creditors obtain a judgment for an unpaid debt, they can docket that judgment to create a lien against your real property. This is entirely different from a mortgage lien, which is ...

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  • New York Banks Freeze Double the Judgment Amount. Why?
    New York Banks Freeze Double the Judgment Amount. Why?

    Short answer: New York Banks may freeze (hold) double the judgment amount to cover accrued interest and collection expenses. [1] Securing twice the Planned Consumer Marketing, Inc. v. Coats & Clark, ...

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  • Need to Vacate a Default Judgment? Include Good "Excuses" for Not Defending
    Need to Vacate a Default Judgment? Include Good "Excuses" for Not Defending

    Facing a wage garnishment or bank restraint due to a judgment? Consider the excuses below to help you overturn the judgment at issue. New York law (CPLR § 5015) allows you to file a motion to vacate a ...

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