DebtShield
PricingPro PlatformBlogCompare
Log inGet Started

Product

PricingPro PlatformBlog

Suite

DebtShieldDisputeAISubScrub

Features

Credit Card DisputesSubscription RecoveryZombie SubscriptionsBank Fee DisputesMedical Bill Disputes

Resources

How-To GuidesState LawsFAQCompare

Legal

Terms of ServicePrivacy PolicyBlog

From the Pointify Travel Technologies suite:

DisputeAI — Billing DisputesSubScrub — Cancel Subscriptions
DebtShield

© 2026 Pointify Travel Technologies LLC. All rights reserved.

The flagship debt recovery platform.

All states
NY Debt Laws

New York Debt Collection Laws

Know your rights in New York. The statute of limitations, garnishment rules, and exempt income can make or break your debt dispute.

6 years

Credit card SOL

6 years

Written contract SOL

10% of gross income or 25% of

Garnishment limit

New York Collection Law

NY General Business Law § 601 + NYC Consumer Protection Law

File complaints with: AG Consumer Protection

Income Protected from Garnishment in New York

Social Security
Unemployment
Workers' comp
Pension
Disability
Veterans' benefits
90% of wages

Key New York Protections

90% of wages exempt from garnishment
Strong city + state consumer protection
Debt collectors must be licensed

Federal Laws (Apply in New York)

  • FDCPA (15 USC § 1692) — debt collector conduct rules
  • FCRA (15 USC § 1681) — credit reporting accuracy
  • FTC Act § 5 — unfair/deceptive practices
  • CFPB Reg F — debt collection communication rules
Generate New York Debt Dispute Letter

DebtShield auto-cites New York laws + FDCPA