According to official data from the New York State Unified Court System, Municipal Credit Union (MCU) filed 2,115 new debt collection lawsuits against New York consumers in 2025. This surge underscores how even local, member‑owned credit unions are engaging in large‑scale debt collection efforts through New York’s courts.
Municipal Credit Union is a New York City–based, member‑owned financial institution that serves public‑sector employees and their families. Though structured as a not‑for‑profit credit union, MCU routinely files lawsuits to collect on alleged unpaid credit card, personal loan, and auto loan debts.
Ongoing Judgment Enforcement by MCU’s Law Firms
Beyond filing new cases, MCU continues to enforce thousands of older judgments obtained in prior years. These enforcement actions are typically handled by law firms such as Malen & Associates, P.C., Lacy Katzen LLP, and Stern & Stern P.C..
These firms regularly pursue wage garnishments, bank account restraints, and property levies—often taking consumers by surprise. In some cases, people learn of the judgment only after their wages or accounts have been seized, raising serious issues about whether they were properly served with the original lawsuit.
Know Your Rights and Defend Against Municipal Credit Union
If you have been sued by Municipal Credit Union or recently discovered a frozen bank account or garnished wages, you have important legal rights. Both New York consumer protection laws and the federal Fair Debt Collection Practices Act (FDCPA) limit what debt collectors and their lawyers can do when pursuing alleged debts.
The Law Offices of Robert J. Nahoum, P.C. defends consumers throughout New York, New Jersey, and the Tri‑State area against credit union, bank, and debt buyer lawsuits. We help clients vacate default judgments, negotiate settlements, and stop unlawful collection tactics.
Contact an Experienced New York Debt Defense Attorney
Don’t face aggressive collection law firms alone. Contact The Law Offices of Robert J. Nahoum, P.C. today to discuss your case and protect your financial rights.
📞 Phone: 845‑232‑0202
🌐 Website: www.nahoumlaw.com