Legal Question in Credit and Debt Law in New York

Re: Attempt to collect debt due

There are certain guidlines a creditor needs to follow in NY before a garnishment can take effect. Particulary, there is a formula revolving around the Federal Poverty Guidlines. THis office is available to handle these types of cases.

Yours truly,

Neil E. Colmenares, Esq.

The Law Office of

Neil E. Colmenares, P.C.

45-15 Union Street

Flushing, NY 11355-3440

718-888-3108 (Telephone)

718-888-3067 (Facsimile)

[email protected] (Electronic mail)

www.necpclaw.com (Website)

NOTICE:

This communication may contain information that is legally privileged, confidential or exempt from disclosure. If you are not the intended recipient, please note that any dissemination, distribution, or copying of this communication is strictly prohibited. Anyone who receives this message in error should notify the sender immediately by telephone or by return electronic mail and delete it from their computer. This information is generalized and should not be relied upon as legal advice; and this communication does not create an attorney-client relationship.

Re: Attempt to collect debt due

Garnishment is a POST JUDGMENT procedure whereby up to 10% of your gross salary per pay period can be seized by the City Marshal or County Sheriff. POST JUDGMENT means you have to be sued and that requires a summons and complaint to be served upon you (though not necessarily handed to you personally). Many times judgments are entered on default because the defendants do not receive actual notice. Courts don't like default judgments. Should you find that someone entered a judgment against you and you did not know about it in advance you can go to the court where the judgment was entered and make a motion (file a written request) to have the judgment removed.

You should try to contact the individual and

try to settle for a lesser amount.