Frequently, a New York judgment creditor has a judgment against an out of state debtor whose bank account was opened and maintained in a bank in the debtor’s home state but the bank, in fact, has an office or branch in New York. The judgment creditor serves a garnishment or other enforcement device on the New York office or branch in order to garnish the funds in the account maintained by the judgment debtor in his home state. To avoid this result, New York has adopted the se