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Hi and welcome to JA. Ray here to help you today.Please bear with me a few moments while I review your question and respond.
Please clarify are they trying to garnish wages here or bank account or what??Thanks.
Here are the rules:
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.
You can file Chapter 7 here to discharge the debt/judgment.This might be a good idea if you have other credit cards or debts you need to wipe off and start over here.
I appreciate the chance to help, let me know if you have more.
Some states do not allow garnishment, not sure if you are able to relocate, Texas is one.
You can Chapter 7 file yourself pro se, here are the forms.
It would stop this, takes about a year to be discharged.
You can try to pay it off for a reduced amount.They often will take half if you could pay cash.
You have some tough decisions to make here, Chapter 7 or negotiate to pay it off here.A judgment and garnishment they aren't going away until they are paid here.I wish I cold tell you otherwise.
This is too old for that.The court would not grant it at this point.Here judgment also stays on your credit report for up to 10 years, which is three (3) years longer than other debts. And don’t be fooled - although a judgment may come off your credit report after ten (10) years, the judgment still exists and can be enforced within the twenty (20) year time period.
NY is a not a good state at all for debtors.Florida and Texas are debtor friendly.
How much is the judgment??
Well you can buy new car here, file Chapter 7 discharge debt and keep the car.You are allowed one vehicle.
Negotiate give them a lower amount here to resolve it.This is really tough to file Chapter 7 if this is your only real problem.
You might try offering them half here.$6k and tell them you are thinking of filing Chapter 7 here if you cannot resolve it for less.
You can change jobs here and make them find you again.That would buy you some time.
Best you can do, threaten Chapter 7 here thats a real threat and they get it.
Thanks for the chance to help .I wish you the best.
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Bye for now and the best.