Debt Settlement Traps: Why New York Courts Don't Care About Your 'Negotiations'

Howard Williams

Published on: 12/10/2026

Negotiating debt does not stop a New York lawsuit. Learn why settlement talks can lead to default judgments and when Chapter 7 may offer stronger protection.

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The 'Income Execution' Notice: How to Stop the NYC Marshal from Taking 10%

Howard Williams

Published on: 25/09/2026

Received an NYC income execution notice? Learn when a marshal can take 10% of wages and how Chapter 7 may stop a garnishment before payday.

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Manhattan Means Test: How High Rent Can Help Chapter 7 Eligibility

Howard Williams

Published on: 27/07/2026

Learn how Manhattan rent, housing costs, and IRS local standards may help New York debtors pass the Chapter 7 bankruptcy means test.

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