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How to Enforce a Money Judgment in New York

The court said they owe you. Here's how Article 52 helps you collect. (General information, not legal advice.)

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New York's enforcement toolkit lives in CPLR Article 52. Here's the playbook, in order.

Find the money

An information subpoena (CPLR 5224) compels banks, employers, and the debtor to disclose assets under oath.

Restrain and take it

A restraining notice (CPLR 5222) freezes accounts; a levy via marshal or sheriff (CPLR 5232) collects from banks; an income execution (CPLR 5231) takes up to 10% of wages; liens reach real property.

Mind the clock and exemptions

Judgments last 20 years; property liens 10 (renewable). Certain funds (Social Security, a protected bank minimum, most of a paycheck) are exempt.

FAQ

Where do I start?

With an information subpoena to locate assets, unless you already know where they bank or work.

How much of a paycheck can I take?

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

Do I need an attorney?

Not required, but enforcement is procedural and easy to botch. NY matters can go on contingency here.

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