Your Judgment Is Worth More Than Paper
A court victory means nothing until the money actually moves. We enforce third-party asset garnishments across the Bronx, Brooklyn, Manhattan, Queens, and Staten Island — reaching bank accounts, receivables, and assets your debtor doesn’t even hold directly. When a collection agency hits a wall, a marshal’s authority opens the door.
Why Creditors Choose Marshal Guida
Mayoral Appointment, Badge #14
Edward F. Guida Jr. holds Badge #14, appointed by the Mayor of New York City — a credential no collection agency can claim or replicate.
All Five Boroughs Covered
We are legally authorized to enforce money judgments across every NYC borough — whether your debtor’s assets are in the Bronx, Brooklyn, Manhattan, Queens, or Staten Island.
Serving New York Since 1988
Edward F. Guida Sr. built this office’s reputation over decades. His son carries that legacy forward with the same standard of professionalism and accountability.
DOI-Regulated Public Officer
Every NYC Marshal is background-checked by the Department of Investigation and held to the NYC Marshals Handbook — you are protected by government-level oversight.
Third-Party Garnishment New York
The Debtor’s Money Is Out There — Here’s How to Reach It
Winning a judgment in NYC Civil Court, Supreme Court, or Small Claims Court is the first step. Collecting on it is a different matter entirely. If the debtor isn’t writing you a check voluntarily, you need someone with the legal authority to compel a bank, a customer, or a business partner to hand over what’s owed.
That’s what a third-party asset garnishment does. Under New York law, a marshal can serve an execution directly on a garnishee — a bank, a company that owes your debtor money, or any third party holding assets on the debtor’s behalf. The garnishee is then legally required to hold those assets and turn them over to satisfy your judgment. Collection agencies cannot do this. Only a marshal or sheriff carries this authority.
Marshal Garnishment Service NYC
What Changes When You Use a Marshal
The difference between a judgment that sits in a drawer and one that pays you is who you put behind it.
- You can reach assets the debtor doesn’t hold directly — including money owed to them by their own customers or business partners.
- A marshal’s execution creates an immediate legal hold on the account the moment it’s served — the bank cannot transfer those funds.
- You stop chasing the debtor personally and let a sworn public officer do the compelling on your behalf.
- Our all-borough authority means we can act whether the debtor’s bank account is in the Bronx or their receivables are tied to a Manhattan business.
- Our fee structure is set by statute — no hidden billing, no arbitrary charges, no surprises after the fact.
- You work directly with our office, not a call center — cases are handled personally, not passed down to staff you’ve never spoken to.
Garnish Money Owed to Debtor
A Collection Agency Cannot Do What We Can
This distinction matters more than most creditors realize. Collection agencies work through calls, letters, and credit reporting. They have no legal mechanism to compel a bank to freeze an account or force a third party to surrender assets. That authority belongs exclusively to marshals and sheriffs operating under New York’s CPLR Article 52.
When we serve an execution on a garnishee — whether that’s a major bank in Queens, a Bronx-based business that owes your debtor money, or a bank account tied to a Brooklyn LLC — that garnishee is legally bound to hold the property. They cannot sell it, transfer it, or assign it away for up to 90 days. That window is your window. It’s what turns a judgment from a legal entitlement into actual money.
If you’ve already tried a collection agency and walked away with nothing, this is why. The tool you needed had to come from a marshal’s office.
Third-Party Levy New York Judgment
More Assets Are Reachable Than You Think
Most creditors picture a bank account when they hear “garnishment.” But a third-party levy in New York can reach much more than that. If your debtor runs a business in Brooklyn and has customers who owe them payment, those receivables are potentially reachable. If a business partner in Manhattan holds funds on the debtor’s behalf, that’s a garnishee too. Any debt owed to the judgment debtor — by anyone — is fair game under a properly served execution.
This is especially relevant in New York City’s commercial environment, where debtors often have income streams spread across multiple entities, boroughs, and accounts. A debtor who tells you they have nothing may have a customer in Midtown sitting on an unpaid invoice, or a vendor relationship in Queens generating ongoing receivables. We know how to find the pressure points, and we move quickly — because timing matters when assets can be moved.
Judgment Garnishment Process New York
From Judgment to Collection — Here’s the Path
Reach Out to Our Office
Contact us at (718) 779-2134 or gu*****@**********14.com with your judgment details — we’ll review what’s needed and explain your enforcement options clearly.
We Prepare and Serve the Execution
We prepare the required paperwork and serve the execution on the garnishee — bank, employer, or third-party asset holder — creating an immediate legal hold on the debtor’s assets.
Funds Are Released to You
After the statutory holding period, the garnishee transfers the collected funds to our office, and we release them to you, minus any statutory fees set by law.
Frequently Asked Questions
What exactly is a third-party asset garnishment under New York law?
A third-party asset garnishment — also called a levy on personal property — is a legal enforcement action where a marshal serves an execution on a garnishee: any third party holding assets that belong to or are owed to the judgment debtor. This could be a bank holding the debtor’s funds, a customer who owes the debtor payment on a contract, or a business partner holding money on the debtor’s behalf. Once the execution is served, the garnishee is legally required to hold that property and may not transfer or assign it. This is one of the most powerful post-judgment collection tools available to creditors in New York, and it requires a marshal or sheriff to execute — not a collection agency.
Can a NYC Marshal garnish a business bank account in Manhattan or Brooklyn?
Yes. We are authorized to serve executions on financial institutions across all five NYC boroughs, including Manhattan, Brooklyn, the Bronx, Queens, and Staten Island. If your debtor maintains a business checking account at a bank branch in Midtown, Downtown Brooklyn, or anywhere else within the five boroughs, we can serve the execution directly on that institution. The bank is then legally bound to hold the funds subject to the execution. This is particularly relevant for commercial creditors whose debtors operate businesses with active accounts — a judgment against a Brooklyn LLC, a Queens-based sole proprietor, or a Manhattan corporation can often be satisfied through a properly timed bank levy.
What is the difference between a marshal and a collection agency for judgment enforcement?
The difference is legal authority. A collection agency works through phone calls, letters, and credit reporting — none of which compel anyone to do anything. A NYC Marshal is a sworn public officer appointed by the Mayor, authorized under New York’s CPLR Article 52 to serve legal executions on banks, employers, and third-party asset holders. When we serve an execution, the garnishee is legally obligated to comply. They cannot ignore it. Collection agencies simply do not have this power — which is why creditors who have already tried that route often find themselves in the same position months later: judgment in hand, nothing collected.
Do I need to hire a lawyer before contacting your office about garnishment?
Not necessarily. If a court has already entered a money judgment in your favor — whether from NYC Civil Court, Small Claims Court, Landlord and Tenant Court, or New York State Supreme Court — you can contact our office directly to begin the enforcement process. You do not need an attorney to engage a marshal for many standard garnishment and levy actions. That said, if your situation involves complex post-judgment proceedings, turnover motions, or disputes about the debtor’s assets, working alongside an attorney may be beneficial. We’re happy to discuss your specific judgment and explain what options are available before you make any decisions.
What happens if the bank account is empty when the levy is served?
A bank levy can only reach funds that are present in the account at the moment the execution is served — it does not capture future deposits automatically. This is why speed matters. If a debtor is aware that enforcement is coming, they may attempt to move funds before the execution is served. Our office uses up-to-date technology and procedures to move efficiently from engagement to service, reducing the window for asset dissipation. If the account is empty at the time of service, we can discuss other enforcement options — including levying on other accounts, reaching receivables owed to the debtor, or pursuing an income execution against the debtor’s wages.
Does your office handle garnishments across the Bronx, Queens, and Staten Island, or just Manhattan and Brooklyn?
We handle third-party asset garnishments across all five NYC boroughs — the Bronx, Brooklyn, Manhattan, Queens, and Staten Island. Our office is based in Corona, Queens, and we have been serving creditors throughout New York City since 1988. Whether your debtor’s bank account is in the Bronx, their business receivables run through a Queens-based company, or their assets are spread across multiple boroughs, our authority extends to the full geographic footprint of the NYC court system. If your judgment was entered by any NYC Civil Court, Small Claims Court, or New York State Supreme Court within the five boroughs, we are authorized to enforce it.
Call us at (718) 779-2134 or email us at gu*****@**********14.com to see how we can help you.