By: Robert J. Nahoum Wage garnishment for unpaid debts in New York is very different from federal administrative wage garnishment for defaulted federal student loans, especially in how the order is issued, how much can be taken, and what rights you have to challenge it. Understanding these differences helps New York consumers decide whether to fight the garnishment, negotiate, or look at […]
Wage Garnishment in New York vs. Federal Student Loan Administrative Wage Garnishment: FAQ
What It Means to Demand Substantiation of a Debt in New York
By: Robert J. Nahoum Under 23 NYCRR § 1.4, “substantiation of a debt” means the debt collector must supply written documentation proving that the consumer actually owes the charged‑off debt and that the collector has the right to collect it. While the rule only applies to “charged‑off” consumer debts, in practice many collectors follow similar procedures when any consumer disputes […]
Sued by Synchrony Bank?
By: Robert J. Nahoum WHY YOU’RE HERE You may have landed here because: Your bank account is suddenly frozen due to a judgment from Synchrony Bank. You’ve received a notice from your County Sheriff or a New York City Marshall that your wages will be garnisheed because there is a debt collection judgment against you from Synchrony Bank. A process […]
New York Passes Coerced Debt Law, A Critical Protection for Survivors of Economic Abuse
By: Robert J. Nahoum New York’s new coerced debt law protects survivors of economic abuse from coerced credit card, loan, and household debts and creates powerful defenses to collection. What Is Coerced Debt? New York has enacted a landmark coerced debt law that targets debts created through economic abuse rather than true, informed consent by the consumer. Coerced debt typically […]
How to Respond to a Wage Garnishment Notice in New York: FAQ Guide
By: Robert J. Nahoum What is wage garnishment? Wage garnishment is a legal process where a creditor with a court judgment orders your employer to withhold part of your paycheck to pay a debt. In New York, creditors must first sue you, win, and obtain a judgment before they can garnish your wages. What does a notice of wage garnishment […]
FAQ: How to Respond to a Frozen Bank Account or Wage Garnishment in New York
By: Robert J. Nahoum Finding out your bank account is “restrained” (frozen) or that your paycheck is being garnished can be a terrifying experience. In most cases, these aggressive collection tactics happen because a “default judgment” was entered against you—often without you even knowing you were being sued. At The Law Offices of Robert J. Nahoum, P.C., we help New […]
How to Respond to a Debt Collection Lawsuit in New York: FAQs from a Consumer Protection Lawyer
By: Robert J. Nahoum What does it mean if I’ve been served with a debt collection lawsuit in New York? Being “served” with a summons and complaint means a creditor or debt buyer has started a court case against you to collect an alleged debt. The papers will name you as the defendant, identify the plaintiff, state an amount allegedly […]
Sued By Grassy Sprain Group, Inc.?
Through its attorneys of choice, Abrahamsen Gindin, LLC (formerly Forster & Garbus), Grassy Sprain Group, Inc. is actively filing new debt collection lawsuits and pursuing and enforcing judgments awarded years ago through wage garnishments and frozen bank accounts.
Sued By Axiom Acquisition Ventures?
Axiom Acquisition Ventures. is a “junk debt buyer”, buying up portfolios of old debt from banks, credit card companies, hospitals, doctors, cell phone companies and car companies for pennies on the dollar. The debt buyers then try to collect the full amount from consumers.
What is the New York Consumer Credit Fairness Act
By: Robert J. Nahoum The New York Consumer Credit Fairness Act (CCFA) is a major reform to the state’s debt collection laws designed to protect consumers from unfair, deceptive, or outdated collection practices. Enacted in 2021, the law gives consumers stronger rights when faced with debt collection lawsuits—especially cases filed by junk debt buyers who purchase old debts for pennies […]