How long does it take for NYS Department of Labor unemployment to garnish wages for overpayment?
I just got hit with a $2,800 overpayment notice from NYS Department of Labor saying I didn't report some part-time work correctly back in 2024. The letter says if I don't pay or set up a payment plan they can garnish my wages. Does anyone know how long this process usually takes? I'm trying to figure out if I have time to appeal this or if I should just try to work out a payment arrangement. My current job pays decent but I can't afford to lose a chunk of my paycheck right now.
15 comments


Giovanni Colombo
NYS Department of Labor typically has to go through several steps before wage garnishment. First they'll send you multiple collection notices over 60-90 days. If you don't respond, they can issue a wage execution order to your employer. The whole process usually takes 3-6 months from the initial overpayment notice. You should definitely appeal within 30 days if you think the overpayment is wrong - this stops the collection process while your appeal is pending.
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Amara Okafor
•Thanks, that gives me some breathing room. I do think part of this overpayment is wrong because I remember reporting those work hours on my weekly claims. Do you know what documentation I need for the appeal?
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Fatima Al-Qasimi
they garnished my wages last year and it took about 4 months from when i got the first letter. they can take up to 10% of your gross pay but they have to leave you with at least $170 per week i think
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Amara Okafor
•Did you try to fight it at all or just let it happen? 10% would be really tough for me right now.
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Fatima Al-Qasimi
•i tried calling but could never get through to anyone at NYS Department of Labor to discuss it. ended up just dealing with the garnishment for about 8 months until it was paid off
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StarStrider
If you're having trouble reaching NYS Department of Labor to discuss your options, I had good luck using a service called Claimyr (claimyr.com) that helped me get through to an actual agent. They have a video demo at https://youtu.be/qyftW-mnTNI showing how it works. It was way easier than spending hours on hold only to get disconnected. I was able to get my overpayment issue sorted out before it went to garnishment.
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Amara Okafor
•I've never heard of that service but at this point I'm willing to try anything. The regular phone number just hangs up on you after being on hold forever.
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Dylan Campbell
DONT LET THEM GARNISH YOU!! I made that mistake and they took money for over a year. File the appeal even if you're not 100% sure you're right. The worst that happens is they deny your appeal and you're back where you started. But if you're right about reporting those hours they have to reverse the overpayment.
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Amara Okafor
•You're right, I should at least try the appeal. Do I file it online through my.ny.gov or do I have to mail something in?
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Sofia Torres
same thing happened to my brother except his was for like $4000. took them forever to actually start garnishing though, he had time to save up and pay most of it off before they got to his employer
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Giovanni Colombo
For the appeal, you'll need your original weekly claim certifications showing you reported the work, pay stubs from that time period, and any correspondence from NYS Department of Labor. File it through the appeals section on my.ny.gov within 30 days of the overpayment notice date. Make sure to keep copies of everything you submit.
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Amara Okafor
•Perfect, I still have all my pay stubs from that job. I'm going to start gathering everything tonight and file the appeal this week. Thanks for all the help everyone!
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Layla Mendes
Good luck with your appeal! Just wanted to add that you should also check if you have any email confirmations from when you submitted those weekly certifications online. I had a similar situation and those confirmation emails really helped prove I had reported everything correctly. Also, if you used direct deposit for your unemployment benefits, your bank statements showing the deposits can help establish the timeline of when you were claiming benefits versus when you were working. The more documentation you have, the stronger your case will be.
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Nora Brooks
•That's really good advice about the email confirmations! I hadn't thought about those but I probably do have them buried in my inbox somewhere. The bank statement idea is smart too - it would show exactly when I was getting benefits and help prove the timeline. I'm feeling more confident about this appeal now that I know what kind of evidence to gather. Really appreciate everyone sharing their experiences here.
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Aiden O'Connor
I went through something similar last year and what really saved me was keeping detailed records during the appeal process. Make sure to request a hearing if your initial written appeal gets denied - I've seen cases where people win at the hearing level even after losing the paper review. Also, if you do end up owing something, NYS DOL is usually willing to work with you on payment plans that are way more manageable than wage garnishment. They'd rather get paid something regularly than deal with the paperwork of garnishing wages. The key is to stay in communication with them rather than ignoring their letters.
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