NYFinancial Management Systems

Dispute Financial Management Systems in New York

Your New York rights against Financial Management Systems: SOL is 6 years for credit card debt. Garnishment capped at 10% of gross income or 25% of disposable.

6 years

New York credit card SOL

NY General Business Law § 601 + NYC Consumer Protection Law

State collection law

Common Financial Management Systems Violations

Adding unauthorized collection fees

Misrepresenting urgency of payment

Failing to provide proper validation notice

New York Dispute Tips vs Financial Management Systems

FMS collects for government agencies — verify the debt with the original agency

Government debts may have offset provisions — understand your rights

Request a payment plan if the debt is valid — most agencies must offer one

New York Protections

90% of wages exempt from garnishment

Strong city + state consumer protection

Debt collectors must be licensed

New York Debt Laws

All protections in New York

Financial Management Systems Overview

All violations & tips

Dispute Financial Management Systems in New York — $9.99/mo