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Manhattan · New York County

Collect a Debt & Enforce a Judgment in Manhattan

Someone in Manhattan owes you money. Here's how New York law helps you actually collect it. (General information, not legal advice.)

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Manhattan is New York's commercial and financial center, which means it's also where a lot of debtors keep their bank accounts and where many businesses are served. That can work in your favor: when the money is parked in a Manhattan bank, the path from judgment to collection is short.

Where Manhattan cases live

Smaller money claims are handled by the Civil Court of the City of New York, New York County, at 111 Centre Street (including its Small Claims Part for claims up to $10,000). Larger matters go to the Supreme Court, New York County at 60 Centre Street. Once you have a judgment, you can docket a transcript of judgment with the New York County Clerk to lien real property the debtor owns in Manhattan.

The Manhattan collection playbook (CPLR Article 52)

1. Find the money. An information subpoena (CPLR 5224) forces the debtor, their bank, or their employer to reveal accounts, wages, and assets under oath.

2. Freeze it. A restraining notice (CPLR 5222) locks down a Manhattan bank account or other property so it can't be moved while you collect.

3. Take it. A NYC Marshal or the City Sheriff can levy a bank account (CPLR 5232) or serve an income execution (CPLR 5231) that captures up to 10% of gross wages. Liens reach real estate.

Mind the clock and the exemptions. A New York money judgment is enforceable for 20 years; a real-property lien lasts 10 years (renewable). Certain funds — Social Security, a protected bank minimum, and most of a paycheck — are exempt from collection.

Manhattan FAQ

Do I have to be in Manhattan to collect?

No. A New York judgment is enforceable statewide. If the debtor lives, banks, or works in New York County, you target those assets and can docket the judgment with the New York County Clerk to reach Manhattan real property.

Can I reach a Manhattan bank account?

Yes — a restraining notice freezes it and a Marshal or Sheriff levy collects, subject to exemptions like a protected minimum balance.

Do I need a lawyer?

Not required, but enforcement is procedural and easy to botch. New York collection matters can go on contingency here — you don't pay unless you collect.

Ready to get your money in Manhattan? Ask Banksy for your free letter → Want it on a law firm's letterhead? A New York attorney can review & send it for $99, or take the whole collection on contingency.