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  • Can a New York Creditor Garnish Your Wages If You Live and Work in Another State?
    Can a New York Creditor Garnish Your Wages If You Live and Work in Another State?

    Many people assume that once they leave New York, a New York judgment can no longer reach their paycheck. Others assume the opposite—that a New York creditor can garnish wages anywhere in the country ...

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  • Why That 30% Offer Turns Into 70%: How Debt Pricing Changes After the Lawsuit is Filed
    Why That 30% Offer Turns Into 70%: How Debt Pricing Changes After the Lawsuit is Filed

    In New York debt collection defense, a recurring pattern frustrates many debtors: a creditor willing to take 20–30% before suit often wants 60–70% or more once a lawsuit is filed or a judgment is ...

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  • New York Settlement Agreements: What Happens If You Default? (Clause-by-Clause Guide)
    New York Settlement Agreements: What Happens If You Default? (Clause-by-Clause Guide)

    In New York, settling a debt collection lawsuit involves a "Stipulation of Settlement." This document is a binding contract enforceable under CPLR § 2104 once subscribed by the parties or their ...

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  • Is Your Retirement Account Safe from Debt Collectors in NY? Understanding CPLR § 5205 and Support Arrears
    Is Your Retirement Account Safe from Debt Collectors in NY? Understanding CPLR § 5205 and Support Arrears

    In New York practice, while retirement accounts and support payments are strongly protected under CPLR Article 52, those protections are subject to important statutory exceptions—particularly in the ...

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  • Early Settlement vs. Delay: A Smarter Strategy for Debt Cases
    Early Settlement vs. Delay: A Smarter Strategy for Debt Cases

    In New York City debt defense, waiting may not be the best strategy. Whether you are dealing with a major bank or a third-party debt collector, many people observe the current economic landscape—with ...

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  • Vacating a Default Judgment in New York: 8 Fine Points of Law (with Examples)
    Vacating a Default Judgment in New York: 8 Fine Points of Law (with Examples)

    Receive notice of a wage garnishment? Is your bank account frozen? 8 Points to Cover in Your Motion to Vacate a Default Judgment Although both statutes (CPLR §§ 5015 and 317) may not explicitly ...

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