Legal Question in Consumer Law in New York

A collection agency cannot touch your bank account. The debt collector would have to get an attorney to file a motion for a judgment against you. At that point there would be a hearing at which you could appear and bring up any defenses.

Even if you have no defenses, there is a NY law which does not allow a creditor to garnish your bank account if it only contains social security money. There can be absolutely no other money in the account, though.

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