Kavinoky & Cook

New York consumer protection laws — state UDAP statutes + federal FTC Act + Magnuson-Moss + similar — provide treble damages + attorney's fees for deceptive business practices.

New York businesses pursuing commercial debts navigate state collection laws, statutes of limitations, mechanic's liens, judgment enforcement, and FDCPA exemptions for original creditors.

New York personal guarantees on business loans + leases pierce the corporate veil — when business defaults, lender can pursue personal assets. Negotiate carefully + know what you're signing.