- Attorneys in Staten Island, | CGMIMM

New York wage garnishment is capped at federal limits (25% of disposable income or 30× minimum wage) — and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.

New York spouses who filed joint returns can escape responsibility for tax debts caused by the other spouse — through innocent spouse, separation of liability, or equitable relief.

New York consumers facing debt-collection lawsuits have powerful defenses — federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.