Debt collection litigation in New York is started by the filing of a document detailing the relief requested. In other words, the document details why you are filing the lawsuit and what you are looking to gain.
Creditors with claims of $25,000.00 or less file their cases to recover bad debt and pursue debt collection litigation in the New York City Civil Court. The requirement is that one of the parties must reside in the City of New York or the cause of action (the underlying transaction)
On April 23, 2013, the New York State General Assembly passed a bill titled the Consumer Credit Fairness Act which introduced new requirements for debt collection litigation in New York against consumers.