A New York State Alternative to Chapter 11 for Judgment Debtors By Wayne Greenwald of Wayne Greenwald, P.C. posted in Debtor Protection on Thursday, November 13, 2014. 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.