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New York Collections Questions & Answers
1 Answer | Asked in Contracts and Collections for New York on
Q: Can i sue my dentist for making my credit go down alot after me asking alot for them to pay my loan back

I nver got the work done and called them multiple time and they keep saying there going to and never do

Tim Akpinar
Tim Akpinar answered on Mar 27, 2020

It would be difficult for an attorney to answer without knowing the terms of your loan agreement, the underlying agreement for work to be performed, how it came to be that the work was never performed, communications between you and the dentist involving these things, and other factors. Good luck... Read more »

2 Answers | Asked in Divorce, Family Law, Collections and Domestic Violence for New York on
Q: if the supreme court has 60 days to answer all papers that were returned on 01/08/2020.what can I do to get a decision.

It's a violation on a order for in lieu of maintenance since 2012. the company that served him messed up and didn't file proof of service nor give me a copy to to do it til 3 mos later. H e and his lawyer showed up so obviously he was served, but it was not calendared, and became paper only. I was... Read more »

John Anthony Pappalardo
John Anthony Pappalardo answered on Mar 13, 2020

Write to the Administrative Law Judge

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3 Answers | Asked in Bankruptcy, Divorce, Civil Rights and Collections for New York on
Q: Being threatened for cosigned student loans even though in my divorce paperwork it states I'm no longer responsible.

The loan providers say I'm responsible and it doesn't matter what my divorce papers say. Is this true I will need to civil sue the loan holder I co-signed for?

Timothy Denison
Timothy Denison answered on Mar 9, 2020

You are still liable directly to the loan provider, bc the loan provider was not a party to your settlement agreement with your spouse. If your spouse is not paying the loan, you should make a motion in your divorce case to hold your spouse in contempt for not paying as agreed and ask the court to... Read more »

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1 Answer | Asked in Civil Litigation and Collections for New York on
Q: I got served with a summons to appear for unpaid debt but I'm broke. Wher do I turn? Specialty?

Collection agency. I have a slew of medical bills I also can't pay.

Tim Akpinar
Tim Akpinar answered on Mar 4, 2020

You could check with the Legal Aid Society. If the collection defense help you need is not within their scope of assistance, ask them if they have recommendations for other resources. Additionally, you could contact a bankruptcy attorney to learn more about your rights in that regard. Many offer... Read more »

1 Answer | Asked in Collections for New York on
Q: I'm being sued by a debt collector and have no assets no income in about to lose my apartment.

I'm looking for a way to respond to the summons as I cannot afford a lawyer and time is running out.

Michael David Siegel
Michael David Siegel answered on Jan 10, 2020

Go to the court. The clerk will help you with the form.

1 Answer | Asked in Collections for New York on
Q: If you pay at least something each month on a loan, can they still garnish your wages
Michael David Siegel
Michael David Siegel answered on Nov 13, 2019

Yes, unless you have an agreement to the contrary. Why would you pay anything without such an agreement?

1 Answer | Asked in Collections for New York on
Q: Can someone garnish your wages without prior notification or court proceedings
Michael David Siegel
Michael David Siegel answered on Nov 1, 2019

The government can do it for certain debts like taxes. But, if you are being garnished there is likely a judgment somewhere that caused it.

1 Answer | Asked in Banking and Collections for New York on
Q: Can a New York bank ignore EIPA Laws because levy was placed on accounts relating to a CALIF judgement?

I am in New York resident with New York bank accounts. My bank will not release my funds and recognize my protection under EIPA $1740 exemption for basic living needs. Each account contained under $1,740. because it’s a California judgement. Are they acting lawfully? What are my options? Thanks

Michael David Siegel
Michael David Siegel answered on Oct 4, 2019

It depends where the levy was done. If it is a New York restraining notice, then EIPA applies. If it is a bank in CA, and the levy was done there under CA law, even though you live in NY and use an NY branch, CA law applies.

1 Answer | Asked in Consumer Law, Small Claims and Collections for New York on
Q: How much interest can be added to a judgement in New York state? the loan was for 10,700, 8,000 in interest was added

Is there any way to fight this amount owed?

Michael David Siegel
Michael David Siegel answered on Aug 5, 2019

Interest on a judgment is 9% from the date of the judgment and is governed by law. Interest before that is governed by the loan documents.

1 Answer | Asked in Consumer Law, Contracts and Collections for New York on
Q: I want to object as a plantiff , defense has filed a motion to compel and bring the case to federal court for subject ma

Subject matter jurisdiction. I have personal jurisduction in state supreme court. What is the name of the document to file to object to motion to compel change of venue.

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Jul 1, 2019

If the state court case meets all the requirements for being brought in a federal district court, the defendant(s) can remove it to the proper federal district court having jurisdiction. You as plaintiff can object to removal--which may be granted--because the federal court does not have to take... Read more »

1 Answer | Asked in Collections for New York on
Q: Can I object to a motion to compel to venue change
Michael David Siegel
Michael David Siegel answered on Jun 28, 2019

You can object to any motion. Whether you win is another issue.

1 Answer | Asked in Collections for New York on
Q: How can I collect my debt from a landlord against whom I won the court case (re: Karaduman v Grover)?
Benjamin Z. Katz
Benjamin Z. Katz answered on Jun 20, 2019

I would need more information to give you proper advice. If you receive a Money Judgment against someone, there are several methods to collect, especially if the person owns property, has bank accounts or is currently employed.

1 Answer | Asked in Collections for New York on
Q: How long can a Dr. hold an un paid Bill against you ? They have black listed me , trying to get my knees and hip done
Michael David Siegel
Michael David Siegel answered on Jun 19, 2019

A doctor does not have to treat you, unless required by your insurance plan. This is true even if there was no bill outstanding. But that is a reason not to treat you. I would not represent a client again who stiffed me.

1 Answer | Asked in Collections for New York on
Q: My bank account has a legal hold from a collection lawyer. I got never served with notice of entry of judgement. Can

Can i file motion to show cause to vacate the judgement

Michael David Siegel
Michael David Siegel answered on Jun 17, 2019

Yes. But you must show that you were not served and that you have a meritorious defense.

1 Answer | Asked in Collections for New York on
Q: Can i be sued for a car that a Notice of Discontinuance has already been filed on?

Notice of Discontinuance has been filed on a car I owed on that had many problems now i recieved a summons for the amout owed

Michael David Siegel
Michael David Siegel answered on Apr 16, 2019

You can be sued because you have been sued. Your question is do you have a defense. I do not know what you mean by a Notice of Discontinuance. That term usually applies to a litigation. A release of lien applies to a car. I am not sure what paper you have. Thus, I cannot answer your question.

1 Answer | Asked in Collections and Small Claims for New York on
Q: I am being sued because my ex loaned me money to buy a car. Now I can't afford to pay the loan back.

I have little income. Live in a rent free Hud apartment because of my very low income. The only thing of value is the car. The book value of the car is $3500. I want to know if the car would be exempt from seizure??

Michael David Siegel
Michael David Siegel answered on Apr 9, 2019

If there is a lien on the car, it is not exempt. If no lien, it could be exempt. But it is also hard to seize it. Answer the case.

2 Answers | Asked in Bankruptcy, Consumer Law and Collections for New York on
Q: Do Money judgments in New York need to be renewed for a second 10 year term, or the judgment automatically lasts 20?

I see it says 20, but I have been coming across forums that say that it must be renewed in 10 to last another 10.

Karra Kingston
Karra Kingston answered on Mar 26, 2019

It lasts for ten years but they have the right to renew the judgment so it lasts for 20 years

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2 Answers | Asked in Collections for New York on
Q: Does Son need to pay?

The NYS AG's office has contacted my son saying he owes $2000 for unpaid tuition for Fall Semester of 2017 at SUNY Albany. My son did not return to Albany after Spring of 2017 but went to a local County Community College instead for Fall of 2017. My son did registered for the Fall Semester at... Read more »

Michael David Siegel
Michael David Siegel answered on Feb 12, 2019

It depends on the tuition agreement signed, but my sense is yes. They will take a payment plan of modest payments. Offer one.

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3 Answers | Asked in Consumer Law and Collections for New York on
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?

Michael David Siegel
Michael David Siegel answered on Feb 2, 2019

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.

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