The New York Affidavit of Facts and Sale of Account By Original Creditor (Original Creditor Actions) is a legal document used in New York State to provide proof that a lender has sold a delinquent loan account to a third-party debt collector. This document is used by the original creditor to transfer ownership of the account to the debt collector so that they can pursue collection activities. The affidavit must include the legal name of the original creditor, the account number, the amount of the debt, the date of the transfer, and other required information. It must be notarized and filed with the New York Department of Banking and Financial Services. There are two types of New York Affidavit of Facts And Sale of Account By Original Creditor (Original Creditor Actions): consumer accounts and commercial accounts. Consumer accounts involve individual debtors, while commercial accounts involve businesses and organizations. The affidavit must be tailored to the specific type of account being transferred.