New York has some of the strongest consumer protection laws in the country. If you have been sued for a debt, you have powerful defenses available to you — and you can assert them yourself for free.
New York law provides significant protections to consumers facing debt collection lawsuits. You have the right to respond, to demand proof, to raise defenses, and even to countersue if the collector violated the law.
If the debt collector violated the Fair Debt Collection Practices Act (FDCPA) or New York General Business Law Section 349, you may be able to countersue for statutory damages, actual damages, and attorney's fees. Common violations include false or misleading statements, harassment, suing on time-barred debts, and failure to validate the debt.
Enter your name, the plaintiff's name, county, and index number from your summons. The form updates in real time.
Check the defenses that apply to your case — identity theft, paid debt, statute of limitations, wrong amount, and more.
Download your completed answer, sign it, make copies, serve the plaintiff's attorney, and file with the court clerk.
Don't let them get a default judgment. Build and download your completed written answer in minutes — at no cost.
⚡ Start My Free Answer Now →