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Home/Attorneys/Adam G. Parisi, Esq.
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- Attorneys in Schenectady, | CGMIMM

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206 Lafayette Street, Schenectady, NY, 12305

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+1-518-377-1115
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206 Lafayette Street
Schenectady, NY 12305
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New York wage garnishment is capped at federal limits (25% of disposable income or 30ร— minimum wage) โ€” and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.
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New York consumers facing debt-collection lawsuits have powerful defenses โ€” federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.
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New York student loans CAN be discharged in bankruptcy under the "undue hardship" Brunner test, plus DOJ's 2022 guidance has made it dramatically easier. Other federal options โ€” IDR, PSLF, forgiveness โ€” also relevant.

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