N.Y. Civil Practice Law & Rules § 3201: Confession of judgment before default on certain installment contracts invalid

§ 3201. Confession of judgment before default on certain installment

contracts invalid. Notwithstanding the provisions of section thirty-two

hundred eighteen, no judgment by confession shall be entered on any

affidavit which was executed prior to the time a default in the payment

of an installment occurs in connection with the purchase for fifteen

hundred dollars or less of any commodities for any use other than a

commercial or business use upon any plan of deferred payments whereby

the price or cost is payable in two or more installments. Any judgment

entered in violation of this section is void and unenforceable.