N.Y. CVP. LAW § 3201 : NY Code - Section 3201: Confession of judgment before default on certain installment contracts invalid

Search N.Y. CVP. LAW § 3201 : NY Code - Section 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.