Legal Question in Credit and Debt Law in New York

I have just found out from my bank that there is a lein against my savings account. After getting the telephone number from the marshal that secured the lein, I realized it came from a lawyer or lawfirm that AI had sent a certified letter to back in 2008, disputing the debt and asking for more information as what type of debt was it, credit card, personal loan,etc. I never received from the reply for months. Then I stated to get letters again stating that I owe a bank this money, but still no explaination as to what caused the debt. After reaching the lawyer or law firm by phone, I was told that it was a judgment issue against in 1993. I not sure what this is all about but in that time period I had no income and could not have been able to secure a loan or credit card. Can something be done about this because it is preventing me from getting a mitchell lama housing is which I was approved and was going to use my savings to purchase the apartment.

Thank you,


Asked on 1/19/10, 9:17 pm

1 Answer from Attorneys
Stephen Starr Starr & Starr, PLLC

A creditor with a judgment can both garnish the judgment debtor's wages and levy a writ of execution against the judgment debtor's bank account (or just restrain the account pursuant to a restraining notice).

Please see the prior posting on our Blog (newyorkbankruptcylawyerblog.com) on the topic of dealing with a default judgment. The posts are:

Help A Collector Has Frozen My Bank Account in New York, Queens, Bronx, Brooklyn! http://www.newyorkbankruptcylawyerblog.com/2008/10/help_a_collector_has_frozen_my.html

- and -

What Can I Do If a Default Judgment Has Been Entered Against Me in New York? http://www.newyorkbankruptcylawyerblog.com/2008/10/what_can_i_do_if_a_default_jud_1.html

The foregoing is intended as general information of interest to readers of this website and is not intended as legal advice for your situation. You should consult with an attorney.

Best regards,

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Answered on 1/26/10, 12:33 pm


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