Bill > A09460

This bill amends existing law to expand protections for individuals who incur debts due to coercion, particularly within intimate relationships, family, or household contexts, or in situations involving human trafficking or the elderly. It clarifies the definition of "coerced debt" to specifically include debts incurred through duress, intimidation, threat, force, coercion, manipulation, or undue influence within these defined relationships. The bill also establishes a right of action for debtors to sue individuals who cause them to incur such coerced debts, allowing for recovery of the debt amount, related costs, and attorney fees. Furthermore, it modifies the process for disputing coerced debts with creditors, including requirements for documentation and creditor review, and extends the effective date of related legislation to 180 days after enactment, applying to debts incurred on or after that date. The bill also introduces provisions for the Attorney General to enforce these protections and impose civil penalties for violations.

Business and Industry, Housing and Urban Affairs

https://www.nysenate.gov/legislation/bills/2025/A9460