In General Where to Sue Starting the Case Electronic Filing Notifying the Defendant Preparing for Court. Shopping for Credit Cards.When you are included in the lien sale, the City of New York sells your debt to an authorized buyer. The buyer then has the right to collect what you owe. Programs that Help Low-income New Yorkers Make Ends Meet. Judgment proof means your income is a type or amount that is exempt from debt collection and you have no assets that a company has the right to take. Most CUNY undergraduates attend college completely free because of financial aid. You can apply for aid in seven steps below. Garnishee Process — A process where the enforcement creditor obtains authority pursuant to the Civil Enforcement Act to have a third party (e.g. Are Medicaid and Medicare the Same Thing?