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How to Garnish Wages in New York (Income Execution)

Turn a judgment into a paycheck deduction. (General information, not legal advice.)

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If your debtor has a job, an income execution is one of the steadiest ways to get paid.

How much you can take

Up to 10% of the debtor's gross wages, subject to a cap (the lesser of 10% of gross, or 25% of disposable earnings above a minimum-wage floor) and nothing if earnings are too low.

The two-step process

The income execution is served first on the debtor; if they don't start paying within 20 days, it's served on the employer, who must withhold and remit. An attorney can issue it.

FAQ

Can I garnish more than one source?

You target wages with an income execution; bank funds are reached separately by levy.

What if the debtor is self-employed?

No employer to serve, so you pursue bank accounts and other assets instead.

What income is exempt?

Social Security, SSI, unemployment, workers' comp, public assistance, and a portion of wages are protected.

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