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If you are sued on a debt and did not respond with an Answer or did not go to scheduled court dates, the judge may automatically rule against you. This is called a default judgment. A default judgment may allow creditors to garnish your wages and freeze your bank account. You may be able to vacate (cancel) a default judgment. Common Reasons to Vacate (Cancel) a Default Judgment

Para ver este artículo en español por favor visite aquí. As a consumer, you have rights and responsibilities the same as your utility provider. It is important to be aware of your rights so you know how to handle any issues, including violations on the part of your utility provider.

Para ver este artículo en español por favor visite aquí. This article includes information about wage garnishment limits for New York State residents who live outside of New York City, Long Island, and Westchester County. The minimum wage, garnishment rules, and bank account limits may be different for people living in those areas. Additionally, the rules for collecting child support and government debts are different and are discussed briefly at the end of this article.

Para ver este artículo en español por favor visite aquí.

Para ver este artículo en español por favor visite aquí. This article includes a summary of the information found in the New York Unified Court System’s Guide to Small Claims. Read the guide for more details on Small Claims Court, working out disagreements without going to court through Alternative Dispute Resolution, and for information on commercial small claims.

Para ver este artículo en español por favor visite aquí. A “lemon” is a vehicle with one or more significant defects or malfunctions that cannot be repaired. Both new and used cars can be lemons, under certain conditions, but New York lemon law only applies to vehicles primarily used for personal purposes, not commercial vehicles.

Para ver este artículo en español por favor visite aquí. (To view this article in Spanish, visit here.)

Debt can be hard to manage. Once you fall behind on payments, it can be hard to catch back up. This is because credit cards and some types of loans can have high interest rates.

It’s easy to believe that you will never fall for a scam. Unfortunately, anyone, regardless of age, background, and technical savvy, can fall for a scam. Scammers utilize social engineering, which uses human psychology against you to steal your money or information. They impersonate your trusted friends and family. They pretend they’re law enforcement. They say they love you. They email you a link that downloads spyware on your computer when you click on it. They say they’re an employer and ask you to provide your Social Security number as a part of a job application process.

¿Qué constituye un incumplimiento de la garantía de habitabilidad?