Credit Card Judgement Against Me In New York State

As far as I know, after the creditor gets judgment against you, he has to obtain a writ of garnishment from the clerk's office in the court. The creditor may either garnish your bank account or your wage to recover the debt. You may or may not be informed by the creditor that you wages/bank account are to be garnished.

They are going try to collect voluntarily first. If that fails, they will move on to garnishment. If that fails, they will move on to trying to lien or attach personal property (unless your state forbids it).

Thanks. It has been a couple of weeks and they have not contacted me yet. Is this normal?

If anyone has had a similar experience, please let me know. How long between the award of the judgement until they start contacting me? Or do they have to do something first (perfect the judgement?)

That entirely depends on the collectors themselves. Perhaps call them and ask.

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