Everything you need to know about utility debt in New York: SOL is 6 years, garnishment capped at 10% of gross income or 25% of disposable, and 3 state-specific protections apply.
6 years
SOL (open/revolving accounts)
$800
Avg utility debt
10% of gross income or 25% of
Garnishment cap
NY General Business Law § 601 + NYC Consumer Protection Law
File complaints: AG Consumer Protection
DebtShield generates AI dispute letters that cite New York law (NY General Business Law § 601 + NYC Consumer Protection Law) and federal FDCPA protections.
Generate New York Utility Debt Dispute Letter