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Home/Attorneys/Joy M Smith Attorney at Law, PLLC
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- Attorneys in Glens Falls, | CGMIMM

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77 Hunter Street, Glens Falls, NY, 12801

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+1-518-932-6200
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77 Hunter Street
Glens Falls, NY 12801
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Past results do not guarantee future outcomes. Communications do not establish an attorney-client relationship.

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Wage Garnishment Defense in New York
New York wage garnishment is capped at federal limits (25% of disposable income or 30× minimum wage) — and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.
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Debt-Collection Defense in New York
New York consumers facing debt-collection lawsuits have powerful defenses — 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 — IDR, PSLF, forgiveness — also relevant.

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