NY A00057

Defines "consumer debt" as any obligation of a natural person to pay money arising from transactions primarily for personal, family, or household purposes, including consumer credit transactions and medical debt, but excluding debt secured by real property

Replaces the term "consumer credit transaction" with "consumer debt" throughout New York civil practice laws, court acts, and related statutes governing debt collection actions

Maintains existing consumer protections including the 3-year statute of limitations for consumer debt actions, requirements for bilingual (English and Spanish) summons, and venue restrictions requiring cases be filed in the defendant's county of residence

Requires plaintiffs in consumer debt actions to attach the original contract or charge-off statement and provide detailed information including original creditor name, last four digits of account number, itemized amounts owed, and complete chain of title for assigned debts

Mandates all court rules and forms be updated to reflect the new "consumer debt" terminology within six months of the act taking effect, with the law becoming effective 90 days after passage