Debt Collection Defense Blogs

Facing a wage garnishment or bank restraint based on a default judgment? New York law provides multiple, distinct paths to seek vacatur—but the requirements differ materially depending on the statute ...

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 ...

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, ...

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 ...

In New York, a judgment lien on real property arises when the money judgment is docketed with the county clerk in the county where the property is located (not merely upon entry). If you have been ...

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 ...