Relates to actions arising out of consumer debt

This bill updates New York state laws to standardize the term "consumer debt" by replacing the older phrase "consumer credit transaction" in various civil court rules. It defines consumer debt as money owed for personal, family, or household purposes, such as medical bills, while explicitly excluding debts secured by real property like mortgages. The legislation introduces several procedural changes, including a new three-year statute of limitations for filing these cases and a requirement that court summonses be printed in both English and Spanish. Additionally, the bill mandates that plaintiffs provide defendants with a mailed notice in both languages when filing a lawsuit and imposes specific filing fees for these types of actions.