If a creditor or collection agency sues you, go to court ...
In New York: For wage garnishments, if you earn less than $217.50 a week, all of your income is exempt from collection. If you earn more than $217.50, then 10% of your gross weekly income or 25% of your disposable income, whichever is less, can be garnished. In New Jersey: If disposable income is $217.50 per week or less, no garnishment … ................
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