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Collect a Debt & Enforce a Judgment in Queens

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

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Queens is the most diverse borough in the city and home to countless small businesses, landlords, contractors, and freelancers. When a customer, tenant, or client in Queens won't pay, New York's enforcement toolkit gives you a clear path — if you use the steps in the right order.

Where Queens cases live

Smaller money claims are handled by the Civil Court of the City of New York, Queens County, at 89-17 Sutphin Boulevard in Jamaica (including its Small Claims Part for claims up to $10,000). Larger matters go to the Supreme Court, Queens County. Once you have a judgment, you can docket a transcript of judgment with the Queens County Clerk to lien real property the debtor owns in Queens.

The Queens 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 Queens 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.

Queens FAQ

Do I have to be in Queens to collect?

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

How much of a paycheck can I take?

Up to 10% of gross wages via an income execution (CPLR 5231), within statutory limits.

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 Queens? 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.