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The summons begins the process for you to go to court to argue your case. Be sure to respond to it before the ANSWER DATE at the top, or it will count against you in court or they may proceed without you. When you go to court (don't fail to show up!), you can plead with the judge about how much garnishment per pay check you can afford based on your income and expenses. Be sure to prepare an accurate COURT FINANCIAL STATEMENT to bring with you. In court, the judge will determine when the start date is for your garnishment. It may take your employer a couple of pay cycles to start the garnishment, but most likely, it will be retroactive from the date of the trial or even further, especially if you are behind on child support or other court-ordered payments.

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Q: How long after you get a summons will your wages be garnished if you are a New York resident?
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