How much can a creditor legally garnish your wages in New York for a past due credit card?

NY wage garnishment is: First $127.50 weekly disposable income is 100% exempt. 90% of the amount over that is exempt. Example: Weekly pay after deductions.$500-$127.50=$372x90%= $37.25. The garnisher would be entitled to $37.25 weekly. However, a person's wages can only be garnished by due process, the creditor filing and winning a lawsuit. Filing for a writ of judgment, executing the judgment for garnishment of wages.

The question relates to a single creditor. If there are 9 credit card companies, does this mean that between them, they can take the entire 90% of your income?

I don't know for the rest of NY, but in Suffolk County, only one garnishment is allowed to be executed at a time.