Q: I was just served a summons for credit card debt in NY. only income is retirement benefits and social security.
Will my income be garnished? Will my bank account be frozen? Should I send a letter asking for forgiveness? Or a payment plan?
A: Answer the summons. Your bank account can be frozen if there is a judgment. You might be able to unfreeze it with an exemption. Do not send a letter. Answer the case. Now that the case is in court, and payment arrangement should be in writing and a court order.
Jonathan David Warner agrees with this answer
Neither of your sources of income can be garnished, but your bank account can still be levied.
If you are not going to hire an attorney to do so, you should definitely.endeavor to put an Answer in on your own behalf. If you don't know how to do so, reach out to legal counsel.
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