Face-Saving for Embarrassed Entrepreneurs By Wayne Greenwald of Wayne Greenwald, P.C. posted in Bankruptcy on Thursday, September 24, 2015. New York State Creates New Consumer Debt Collection Rules By Wayne Greenwald of Wayne Greenwald, P.C. posted in Consumer Debtors on Monday, September 29, 2014. On September 16, 2014, New York courts announced rules banning collecting consumer debts which were: a.) not incurred; b.) previously paid; or c.) subject to statute of limitations defenses.