Should I Sue in New York?
The short answer in New York: under $10,000 (NYC Civil Court, NYCCCA § 1801) you can file in small claims without a lawyer; over that threshold, you're in regular civil court where representation matters. The personal-injury statute of limitations is 3 years (CPLR § 214) — one of the longer PI windows in the country — miss it and the claim is dead, no exceptions.
New York — at a glance
- Small-claims cap: $10,000 (NYCCCA § 1801).
- Personal-injury SOL: 3 years (CPLR § 214) — one of the longer PI windows in the country.
- Contract SOL: 6 years (CPLR § 213).
- Demand letter: 90-day notice of claim required against municipalities (Gen. Mun. Law § 50-e); strict — miss it and the claim dies.
- Free legal aid: LawHelpNY.org.
Important: This tool provides educational estimates only — not legal advice. Made For Law is not a law firm and is not affiliated with, endorsed by, or connected to any federal, state, county, or local government agency or court system. Calculator results are based on statutory formulas and publicly available fee schedules — not AI. Supporting content is AI-assisted and editorially reviewed. Results may not reflect recent legislative changes or your specific circumstances. Do not rely solely on these estimates — always verify with official sources and consult a licensed attorney before making legal or financial decisions. Full disclaimer
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Key Takeaways for New York
- If your claim is under the small-claims cap. File in New York small claims yourself. The cap is $10,000 (NYCCCA § 1801). No attorney required, filing fees typically $30-$75.
- Watch the statute of limitations. Personal injury is 3 years (CPLR § 214) — one of the longer PI windows in the country. Contract claims follow 6 years (CPLR § 213). Once expired, the claim is barred — no judge has discretion to revive it.
- Contingency-fee norms. 33-1/3% personal injury cap; med-mal sliding scale 30%-25%-20%-15%-10% (Judiciary Law § 474-a)
- New York litigation reality. No statutory cap on non-economic damages — NY plaintiffs see the highest median PI awards (~$287,628 reported)
When small claims is the right call in New York
Small claims exists for disputes that aren't worth a lawyer's billable hour. In New York, the NYC Civil Court jurisdictional limit is $10,000 (NYCCCA § 1801). Filing fees run $30–$75 in most counties, and the process is built for pro-se litigants — the judge will help you cite the right rule.
Common cases: unpaid invoices, security-deposit recovery, minor property damage, breach of a service agreement under the cap. Common bad fits: anything requiring expert testimony (med-mal, complex contract disputes), claims that need injunctive relief, or defendants who've already hired counsel.
Demand letter first?
In New York, 90-day notice of claim required against municipalities (Gen. Mun. Law § 50-e); strict — miss it and the claim dies. Even when not legally required, a demand letter signals seriousness, creates a paper trail, and often produces a settlement before any court fees are spent. If the dispute survives a 30-day demand letter — that's the signal you need actual counsel, not just a threat.
Free or low-cost help
Income-qualified residents (typically at or below 125% of the federal poverty line) can access free civil legal help through LawHelpNY.org. Every New York county also runs a court self-help center for procedural questions — free, no income test.
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Try the calculator — freeSources cited inline. Last verified May 2026. Statutes change — confirm with the official state bar before filing.