Q: What will happen if $4700 debt goes to the New York state general attorney office?
A university is asking me to pay it and the deadline is passed.
A: If it is a student loan from NYS, a judgment will be recorded. If it is something else, the NY attorney general is counsel to all State universities and they will sue you.
A:
It depends. If the original creditor is bringing the case (or a lawyer acting on the Uni’s behalf) you may be sued and you will have to oppose the suit in court or risk a default judgment and all that comes with it: bank account seizure, wage garnishments, etc.
The AG may only be counsel for Plaintiff if it is a state school; a private school will hire a private attorney. Often, even state schools hire private law firms to sue on their behalf, as the AG may have other priorities.
If the Uni has sent the debt to a collection agency or law firm specializing in debt collection, you have additional, federal rights per the FDCPA. Have a New York collections defense attorney review the case file to develop the most effective strategy possible under the circumstances.
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