Sued by a creditor?
We defend you in court.

File a written answer before the deadline runs. You usually have 20 to 30 days in New York or 35 in New Jersey (it depends on how you were served; Pennsylvania has its own rules). Miss it and a default judgment can lead to garnishment, levies, and liens. Zeus steps in after you've been served with full flat-fee defense across NY, NJ, and PA. Call as soon as the papers arrive.

The creditor can get a default judgment. In all three states that judgment lets them garnish wages, levy bank accounts, and put liens on property. Once it's entered, unwinding it is much harder and more expensive. Filing a timely answer keeps your defenses and leverage intact.

Yes. After a judgment, creditors can use an income execution to garnish a percentage of your wages. New York has some protections and exemptions, but they do not prevent garnishment entirely once a default judgment exists. Defending the case from the start is the most effective way to avoid or limit these actions. Similar post-judgment collection tools exist in New Jersey and Pennsylvania; Zeus Creditor Defense Law represents clients throughout the tri-state area.

Yes. A judgment creditor can serve restraining notices or levies on your bank accounts. Funds can be frozen and turned over to satisfy the judgment. New York, New Jersey, and Pennsylvania all allow this collection method. Timely legal defense after service is the best protection for your accounts.

If you are personally served in New York, you typically have 20 days to serve and file an answer. Other methods of service (mail, out-of-state, publication) generally give you 30 days. The summons and complaint will state the deadline. Do not rely on memory. We review every summons the same day we receive it. Zeus Creditor Defense Law handles cases across New York, New Jersey, and Pennsylvania.

In New Jersey Superior Court, the standard time to file an answer after personal service is 35 days. Other service methods may alter that window. The papers you were served will contain the exact deadline. Missing it can result in default judgment with serious consequences. We also defend cases filed in Pennsylvania courts.

They can try, but the statute of limitations (SOL) may bar the suit in New York (generally 6 years for written contracts), New Jersey (6 years for most contract actions), and Pennsylvania (typically 4–6 years depending on the debt type). Even if the SOL has run, you must raise it as a defense in your answer. Courts do not dismiss old cases automatically. We evaluate the age and documentation of every debt claim across the tri-state area.

Yes. Many cases settle after an answer is filed. Settlement negotiations can happen at any stage, including after discovery or on the eve of trial. The key is having a strong defense posture first. Creditors often offer better terms when they know you will defend the case. We negotiate from a position of strength while protecting your rights.