Sued for Debt in New York? We Can Help
Our attorneys negotiate with debt collectors in New York to reduce what you owe — often by 50-70%. Free consultation. Learn about your rights, deadlines, and options below.
Response Deadline: 20 Days
You have 20 days from the date you are served to file your Answer with the New York court. Missing this deadline results in an automatic default judgment against you.
Statute of Limitations in New York
| Debt Type | Years |
|---|---|
| Credit Card | 3 |
| Medical Debt | 6 |
| Auto Loan / Deficiency | 6 |
| Personal Loan | 6 |
| Written Contract | 6 |
| Oral Contract | 6 |
The statute of limitations is measured from the date of your last payment or activity on the account. If the SOL has expired, the debt is time-barred and you have a strong affirmative defense.
Wage Garnishment in New York
Wage garnishment is allowed — up to 10% of disposable earnings
Only 10% of gross wages. Wages under 30x minimum wage are completely exempt. Very protective.
Court System in New York
Small claims limit $10,000 ($5,000 in town/village courts). Civil court handles cases up to $50,000. Supreme court for larger.
Filing fees: $35-$350
New York Consumer Protection Law
New York General Business Law Article 22-A / NYC Department of Consumer and Worker Protection Rules
In addition to the federal FDCPA, New York has its own consumer protection law that may provide additional rights and remedies against debt collectors. Violations of state law can result in additional damages.
How We Help With New York Debt Cases
- Free consultation. Tell us about the lawsuit and the debt. We review your case and assess your options at no cost.
- Case assessment. We evaluate the strength of the collector's case, check for FDCPA violations, and determine the best approach — negotiation, defense, or counterclaim.
- Attorney negotiation. Our attorney contacts the collector directly and negotiates a reduced settlement. Most New York clients save 50-70% of their original debt amount.
- Resolution. You pay the agreed settlement, the lawsuit is dismissed, and the case is closed. No court appearances, no filing paperwork yourself.
Note: You have 20 days to respond to the lawsuit in New York. Contact us as soon as possible to ensure we can negotiate before the deadline.
FAQ: Debt Collection in New York
How long to respond in New York?
20 days if served in person. 30 days if served by other methods. Check your summons carefully.
What is the statute of limitations for credit card debt in New York?
3 years as of April 2022 under the new law. Previously it was 6 years. This is one of the shortest credit card SOLs in the country.
Can they garnish my wages in New York?
Only 10% of gross wages, and wages under 30 times the minimum wage are completely exempt. New York is one of the most protective states for wage garnishment.
What is the new Comprehensive Debt Collection Rules in NYC?
New York City has enacted strict rules governing debt collection, including requirements for additional disclosures and restrictions on collection practices within the city.
Where are debt lawsuits filed in New York?
Most consumer debt cases are filed in city civil court. Small claims up to $10,000 in NYC. Supreme court for larger amounts.
Reviewed by [Attorney Name], Esq. Last updated March 2026. This information is for educational purposes and does not constitute legal advice.
Get Help With Your New York Debt
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