N.Y. GBS Law § 604-DD

§ 604-dd. Application to secured debt. 1. Except with respect to\nsection six hundred four-ee of this article, this article shall not\napply to debts secured by real property.\n 2. Section six hundred four-bb of this article and the cause of action\nauthorized by subdivision one of section six hundred four-cc of this\narticle shall not apply to debts secured by personal property.\n 3. For debts secured by personal property, the affirmative defense\nauthorized by section six hundred four-cc of this article shall not\naffect the creditor's right to enforce any security interest upon\ndefault of the financing and security agreement under article nine of\nthe uniform commercial code including, but not limited to, repossession\nor voluntary surrender of the subject personal property or seeking and\nobtaining a court order to retake the subject personal property. The\naffirmative defense shall affect only the coerced debtor's liability for\nany deficiency after the repossession or surrender and disposition of\nthe subject collateral.\n