If you have had enough with your credit cards, medical bills, or collection accounts, Call to speak with one of our representatives: 
(866) 910-9081

We specialize in:

• Unsecured credit card debt
• Medical bills
• Department store accounts
• Furniture loan payments
• Signature loans
• Overdraft agreements
• Collection accounts
• Balances owed on repossessions
• Old utility bills

Important  New York Debt Settlement and Debt Consolidation Laws.

(Note: This is only to be used as an informational debt resource for residence of New York and should not be considered and does not constitute legal advice.  If you are looking for legal advice contact a licensed attorney in New York)

Debt Collection

New York (NY) works in accordance with the federal laws in dealing with collection agencies and or law firms that collect debts.  These laws are known as the Fair Debt Collection Practices Act (FDCPA).  More information about the FDCPA can be found here.

New York City
-The Original creditor or debt collector cannot contact a thirde party more then one time in trying to find a the person in debt.

The maximum charge a collection agency can charge in New York is and 6% interest rate.

New York Protection of wages: (after tax income) 90%; 100% of a noncommissioned officer, private in U.S. or New York state armed forces.

Statue of Limitations.
The Statute of limitations is the amount of time by law for a set period of time after a certain event, that legal proceedings can happen based on that event can be initiated.  With debt, the statues of limitation apply to the time period after you have become past due on your payments.  In other words.  You are not considered delinquent based on your last payment, but rather the day that you went past due.

Oral Agreements are 6 years
Written Contracts are 6 years
Promissory Notes are 6 years
Open Accounts (credit cards) are 6 years
U.S. Bankruptcy Court
One Bowling Green, 6th Fl.
New York, NY 10004-1408

250 U.S. Courthouse
300 Perl St., Ste. 250
Buffalo, NY 14202

U.S. Bankruptcy Court
75 Clinton St.
Brooklyn, NY 11201

U.S. Bankruptcy Court
Long Island Federal Courthouse
290 Federal Plaza
Central Islip, NY

234 U.S. Courthouse
100 State St.
Rochester, NY 14614

James T. Foley Courthouse
445 Broadway Street
Albany, NY 12201

Alexender Pernie Courthouse
10 Broad St.
Utica, NY, 13501

U.S. Bankruptcy Court
176 Church St.
Poughkeepsie, NY 12601

U.S. Bankruptcy Court
300 Quarropas St.
White Plains, NY 10601

United States Bankruptcy Court
100 South Salina Street
Suite 310
Syracuse, NY 13202

When dealing your old debt, it's vital to know your limits. It could be the difference between thousands of dollars in old debt or hundreds.

Once a debt passes beyond the statute of limitation in your state, a debt collection agency no longer has the right to sue you for payment.

Any debt collection agency who threatens to sue you over a debt that is beyond the statute of limitation in your state is in violation of the Fair Debt Collection Practices Act.

If you need help with a delinquent debt, visit the Web site of the National Association of Consumer Advocates or call us toll free 1-866-910-8091.
Contact your NY. state attorney general,

	Andrew Cuomo (D)	(518) 474-7330
Dept. of Law - The Capitol, 2nd fl., Albany, NY 12224 http://www.oag.state.ny.us