how long do I have before nyc sheriff tows my car after I recieve a default judgement against me?

Answer 1

Sheriff - no, repo will come. Put the car in your garage, and bar it from inside in case they pick the lock. DON'T LET THEM FIND IT.

Now, work with whoever it is and pay whatever you can. Don't just refuse - level with them about your situation. They can CHOOSE to lay off you if they want to.

Pay them something, ANYTHING - don't just try to run from it, because they WILL be coming for you and it WILL destroy your credit.