Welcome to Aronow Law, P.C.
At Aronow Law P.C., we understand the stress and uncertainty that come with being sued for debt. Many hardworking New Yorkers find themselves facing aggressive collection tactics or lawsuits they don’t fully understand. Our mission is to protect your rights, challenge unfair claims, and help you regain financial stability.
We combine assertive legal representation with clear, compassionate guidance—so you can move forward with confidence and peace of mind.
If you’ve been served with a Summons and Complaint from a creditor or debt collector, you’re not alone. Thousands of New Yorkers face debt collection lawsuits each year—often for debts they don’t fully recognize or that are past the statute of limitations.
Step 1: Don’t Ignore the Lawsuit
- The most common and costly mistake is doing nothing.
- You typically have 20–30 days to respond (depending on how you were served). Failing to answer the complaint can result in a default judgment, allowing the creditor to garnish your wages or freeze your bank account.
- Tip: File your Answer with the court and serve a copy on the plaintiff or their attorney before the deadline.
Step 2: Review the Complaint Carefully
Debt collectors must prove you owe the debt. Review every claim in the complaint and ask yourself:
- Do I recognize the original creditor?
- Is the amount accurate?
- Has the debt been sold or transferred multiple times?
- Is the debt too old to collect (beyond the statute of limitations)?
If the lawsuit lacks proper documentation—such as the original credit agreement or proof of ownership—you may have strong grounds for dismissal.
Step 3: Verify the Statute of Limitations
In New York, most debt collection lawsuits must be filed within three years of the last payment or charge.
If the collector files after that period, the debt is considered “time-barred.”
Step 4: Demand Proof
Collectors often rely on incomplete or inaccurate records.
You have the right to request:
- The original signed agreement
- A full account history
- Documentation showing the chain of ownership of the debt
If the collector can’t produce this evidence, they may not have legal standing to sue.
Step 5: Consider Legal Representation
Defending a lawsuit on your own can be intimidating.
At Aronow Law P.C., we fight back against debt collection abuse by:
- Challenging invalid or time-barred claims
- Negotiating fair settlements when appropriate
- Protecting clients from harassment and unlawful collection tactics
Having a skilled debt defense lawyer on your side can make a significant difference in the outcome of your case.
Step 6: Know Your Rights Under State and Federal Law
Both New York State law and the Fair Debt Collection Practices Act (FDCPA) prohibit abusive or deceptive practices by debt collectors.
You may have a counterclaim if the collector:
- Calls you repeatedly or at odd hours
- Contacts you after you’ve requested they stop
- Misrepresents the amount owed
- Fails to verify the debt when asked
Aronow Law can help you understand your rights and pursue damages for any violations.
Why Choose Aronow Law P.C.
At Aronow Law P.C., we combine strong legal advocacy with personalized guidance. Whether you’re facing a credit card lawsuit, medical debt claim, or collection action from a third-party agency, we’ll work to protect your financial future and achieve the best possible outcome.
Take Action Before It’s Too Late
If you’ve been sued by a debt collector in New York, don’t face it alone.
Contact Aronow Law P.C. today for a free consultation. We’ll review your case, explain your options, and help you take control of your financial situation.
Book Your Free Consultation Today!
Take the first step toward financial freedom. Aronow Law P.C. is here to help you stop collections, protect your property, and find lasting debt relief.
Contact us today to schedule your free consultation and start rebuilding your financial future.
Frequently Asked Questions
What happens if I ignore a debt collection lawsuit?
You risk a default judgment, which allows creditors to garnish wages, seize bank funds, or place liens on property.
Can a debt collector sue me for an old debt?
Not if it’s past the statute of limitations. In New York, most debts become unenforceable after three years.
Do I need a lawyer to fight a debt collection lawsuit?
While not required, legal representation greatly improves your chances of success—especially if the collector has an attorney.
Can I stop a debt collector from contacting me directly once I have a lawyer?
Yes. Once you hire an attorney, debt collectors are legally required to communicate only with your lawyer — not you. Informing them in writing that you’re represented by Aronow Law P.C. will stop the calls and letters, allowing us to handle all communication on your behalf.
Can Aronow Law help me settle my debt?
Yes. Our team can negotiate fair settlements and help stop aggressive collection actions while protecting your legal rights.
