Thank you for your question. There is a time bar in New York state on debt,which is called the statute of limitations
. It bars any lawsuit to collect a debt which is older than 6 years old, measured from the last date of payment on the debt.
However, in this case, you are talking about "income executions" which implies that the debt collectors already have a judgment against you. A judgment goes on in perpetuity as long as it is renewed every 10 years. If the debt which you owe is in a judgment form, there is no way to escape liability on it in your situation. However, you need to answer to show the amount of money you make and the monthly expenses you incur.
In New York State, a creditor can garnish the lesser of 10% of your gross wages or 25% of your disposable income to the extent that this amount exceeds 30% of minimum wage
. If your disposable income is less than 30 times minimum wage, it cannot be garnished at all.
"Disposable earnings" are those wages left after your employer has made deductions required by law. Examples of legally required deductions are federal, state and local taxes, social security and the employee
portion of state unemployment compensation insurance
. Deductions that are not required by law do not count to reduce your disposable income.
So, you need to establish what is the maximum amount they can take out of your paycheck and this will require that you answer and show proof of your budget and expenses.
Please let me know if you have further questions on this matter.