Sued by a Debt Collector in New York? We Defend You.

If you were served court papers, threatened with wage garnishment, or harassed by a collection agency — take a breath.

You are not alone.
And you are not powerless.

At Tariq Law PC, we defend New Yorkers against aggressive debt collection lawsuits, default judgments, frozen bank accounts, and abusive collectors.
Call now for a case review — before the deadline passes.

What Are Your Legal Concerns?*

Were You Just Served a Debt Collection Lawsuit?

This is the moment that matters most.

In New York, you have limited time to respond.
If you ignore the summons, the collector can win automatically through a default judgment.

That can lead to:

  • Wage garnishment

  • Frozen bank accounts

  • Property liens

  • Credit damage

We immediately:

  • File a proper Answer

  • Challenge the collector’s evidence

  • Demand proof of ownership

  • Examine FDCPA violations

  • Negotiate or litigate aggressively

Do not wait. Deadlines in NYC courts move fast.

Are Debt Collectors Harassing You?

Collectors are restricted under the Fair Debt Collection Practices Act (FDCPA).
They cannot:

  • Call at odd hours

  • Threaten arrest

  • Misrepresent the amount owed

  • Contact third parties improperly

  • Continue calling after written cease-and-desist

If they violated your rights, you may be entitled to:

  • Statutory damages

  • Attorney’s fees

  • Case dismissal leverage

Speak to an FDCPA attorney today.

Common Collection Agencies We Fight

We regularly defend clients against:

  • Midland Funding LLC

  • Cavalry Portfolio Services

  • Jefferson Capital Systems

  • CACV of Colorado

  • Zwicker & Associates

  • Rubin & Rothman

  • Forster & Garbus

  • Selip & Stylianou LLP

  • AFNI Inc.

  • Harvest Credit Management

If you searched one of these names — you’re in the right place.

Can a Debt Collector Win Without Proof?

No. They must prove:

  • They own the debt

  • The amount is accurate

  • The statute of limitations has not expired

  • Proper documentation exists

Many collection lawsuits rely on weak documentation.
We force them to prove every element.

Already Have a Default Judgment Against You?

You still may have options.
We handle:

  • Vacating default judgments

  • Improper service challenges

  • Settlement negotiations

  • Garnishment defense

Time matters here. The longer a judgment sits, the harder it becomes to reverse.

Medical Debt? Credit Card Lawsuit? Personal Loan?

We defend:

  • Credit card lawsuits

  • Medical debt lawsuits

  • Personal loans

  • Charge-offs

  • Debt buyer lawsuits

  • Commercial debt defense

If you’re being sued in:

  • Brooklyn

  • Queens

  • Manhattan

  • Bronx

  • Staten Island

  • Long Islan

We can help.

Why Clients Choose
Tariq Law PC

✔ Thousands of consumer cases handled
✔ Recognized Super Lawyers Rising Star (2023, 2024)
✔ Focused on federal consumer protection laws
✔ Strategic litigation approach
✔ Personalized legal guidance

We are not a debt settlement company.
We are a litigation-focused consumer protection law firm.

Take Control Before the Collector Does

Every day you wait increases risk.

A consultation could mean:

  • Avoiding a judgment

  • Protecting your paycheck

  • Stopping harassment

  • Gaining negotiation leverage

  • You deserve defense.

  • You deserve clarity.

  • You deserve protection.

Debt Collection Defense FAQs

Find clear, honest answers to common question from a experience professional.

How long do I have to respond to a debt collection lawsuit in New York?

Typically 20–30 days depending on service. Missing the deadline can result in default judgment.

Can my wages be garnished in NYC?

Yes, if a judgment is entered. Up to a percentage of disposable income may be taken.

Can a debt be reported twice on my credit report?

No. Duplicate collection reporting may violate the FCRA.

What if I don’t recognize the debt buyer?

Debt buyers must prove ownership and chain of assignment. We challenge improper documentation.

Can a debt collector call my family?

Generally no, except to obtain location information. They cannot disclose your debt.

What is the statute of limitations for credit card debt in NY?

Generally 3 years (as updated under New York law), but exceptions may apply.

Do I need a debt collection defense attorney?

If you were served court papers — yes. Procedural mistakes can cost you your case.

Tariq law Pc

NYC's premier consumer protection law firm. We fight for justice in FCRA, FDCPA, identity theft, and debt defense cases with unmatched expertise and tenacity.

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