Relates to actions arising out of consumer debt

This bill defines "consumer debt" as any obligation for personal, family, or household expenses (including medical debt), excluding real estate-secured debt and rent arrears. It updates court procedures to use "consumer debt" instead of "consumer credit transaction," requiring summons to display this term in both Spanish and English and setting a 3-year filing limit for such cases. The bill also clarifies venue rules for lawsuits and adjusts filing fees for consumer debt actions. These changes standardize legal terminology and processes across New York courts for debt-related cases involving individuals.