877-DEBT-NY-LAW 
Debt Defense Resources for New Yorkers
- Sued on a credit card debt? Learn what a Summons and Complaint means, the deadline to respond in New York, and why a timely Answer matters. (Link to the cornerstone article in Section 3.)
- Wage garnishment, bank restraints & judgments. Understand income execution, frozen accounts, exemptions that may protect your money, and how a default judgment can sometimes be challenged.
- Your rights under the FDCPA. Federal and New York law limit how collectors can contact you. Improper conduct can sometimes give rise to defenses or claims — and a court may require a collector who violates the law to pay your attorney’s fees.
Frequently Asked Questions
How are fees handled?
Legal fees depend on the stage of the matter (pre-suit, litigation, or post-judgment), the scope of representation, and the complexity of the case. All fees are disclosed in writing in a retainer agreement before representation begins. No attorney-client relationship exists until that agreement is signed.
Do you guarantee a result?
No. Outcomes depend on the specific facts, documents, and applicable law. Prior results do not guarantee a similar outcome.