New York State Debt Collection Laws and Procedures

This page serves as a resource center to help residents of New York State understand their rights with regards to aggressive debt collectors, credit card lawsuits, and state debt collection laws. While debt collectors in all 50 states are governed by the federal Fair Debt Collection Practices Act, many states have enacted their own debt collection laws as well. Some state laws simply mirror federal law to provide protection at the state level, however, some states offer even more protection(than federal law) to consumers by, for example, covering original creditors as well as collectors, specifying additional types of behavior that violate state law, or providing for additional types of damages. Some creditors file, or move lawsuits to federal court in attempt to escape some of the more stringent state laws. This is why it’s important to know the rules of your state law, as well as, federal laws.

Fortunately, New York is a state that offers a treasure trove of protective laws, rules and regulations to protect consumer from aggressive debt collectors; and stiff punishment for creditors who violate these laws. Residents of New York City are also privy to city debt collection laws that only apply to them.

Please take a look at the links below to learn your rights under New York States Fair Debt Collection Practice Act:



New York State Debt Collection Laws and Procedures:


To file a Complaint about debt collector with State of New York, click here.


The links below only apply to resident of the City of New York:




New York City Administrative Code regarding Debt Collections:

Title 20, Chapter 2, Subchapter 30

Instructions: Go to New York City Administrative Code under Miscellaneous


To File a Complaint about Debt Collector with City of New York, click here.



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