Everything you need to know about auto loan debt in New York: the statute of limitations is 6 years, garnishment is capped at 10% of gross income or 25% of disposable, and 3 state-specific protections apply to your case.
6 years
Statute of limitations (written contracts)
$23,792
Avg. auto loan debt in US
10% of gross income or 25% of
Garnishment limit
In New York, auto loan debt falls under written contracts with a statute of limitations of 6 years. Once the SOL expires, collectors cannot sue you for the debt — but they can still call. If you make a payment or acknowledge the debt in writing, the SOL clock may restart under New York law.
Credit/Open
6 years
Written
6 years
Oral
6 years
These strategies combine federal FDCPA protections with New York-specific laws like the NY General Business Law § 601 + NYC Consumer Protection Law.
In New York, the SOL for this debt type is 6 years — check if your debt has expired.
If a collector wins a judgment for auto loan debt in New York, garnishment is limited to: 10% of gross income or 25% of disposable.
NY General Business Law § 601 + NYC Consumer Protection Law
File complaints: AG Consumer Protection
These New York-specific protections apply to your auto loan debt case:
All New York Debt Laws
SOL, garnishment, protections for all debt types
Auto Loan Debt Dispute Guide
Strategies, laws, and tips nationwide
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