New York

Please be advised that Portnoy Schneck, L.L.C. does not have any language access services available and does not translate any communication into a language other than English.

Please be advised that a translation and description of commonly-used debt collection terms is available in multiple languages at www.nyc.gov/dca.

Debt collectors are prohibited by 15 USC §1692 et seq. from engaging in abusive, deceptive and unfair collection efforts, including the use or threat of violence, the use of obscene or profane language, and repeated phone calls with the intent to annoy, abuse or harass. If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt:

1. Supplemental security income, (SSI);
2. Social security;
3. Public assistance (welfare);
4. Spousal support, maintenance (alimony) or child support;
5. Unemployment benefits;
6. Disability benefits;
7. Workers’ compensation benefits;
8. Public or private pensions;
9. Veterans’ benefits;
10. Federal student loans, federal student grants, and federal work study funds; and
11. Ninety percent of your wages or salary earned in the last sixty days.

New York Department of Consumer Affairs License No. 2096769