N.M. R. Civ. P. Metro. Ct. 3-201

As amended through November 1, 2024

Rule 3-201 - Commencement of action

A.How commenced. A civil action is commenced by filing with the court a complaint consisting of a written statement of a claim or claims setting forth briefly the facts and circumstances giving rise to the action.

B.Nature of claim. Metropolitan judges have jurisdiction in all cases as may be provided by law.

C.Form of complaint. The complaint shall be in substantially the form approved by the court administrator and the Supreme Court.

D.Verified accounts. Except in cases controlled by Paragraph E, accounts duly verified by the oath of the party claiming the same, or his agent, and promissory notes and other instruments in writing, not barred by law are sufficient evidence in any suit to create a rebuttable presumption, sufficient to enable the plaintiff to recover judgment for the account thereof.

E.Consumer debt claims.

(1)Definition. The pleading of a party, acting in the ordinary course of business, whose cause of action is to collect a debt arising out of a transaction in which the money, property, insurance, or services, which are the subject of the original transaction, are primarily for personal, family, or household purposes, other than loans secured by real property, shall comply with Rules 3-201(E)(2) and 3-401(D) NMRA, and Form 4-226 NMRA.

(2)Copy to be served and filed. When any instrument of writing on which a consumer debt claim is founded is referred to or relied on in the pleadings, the original or a copy of the instrument shall be served with the pleading and filed with the court unless otherwise excused by the court on a showing of good cause.

N.M. R. Civ. P. Metro. Ct. 3-201

As Amended by Supreme Court Order No. 20-8300-005, effective for all cases filed on or after 12/31/2020.

Committee commentary. - In 2016, the New Mexico Supreme Court approved amendments to Rules 1-009, 1-017, 1-055, and 1-060 NMRA, and created a new civil complaint form for consumer debt claims, Form 4-226 NMRA, for use in the district courts.

Paragraphs C and E of this rule were added in 2020 to provide additional protections to consumers in consumer debt collection cases. In addition, Rules 2-201, 2-401, 2-702, 2-703, 3-401, 3-702, and 3-704 NMRA, as well as Form 4-226 NMRA, were amended in 2020 to align the metropolitan and magistrate court rules for consumer debt claims with the district court rules.

After considering the New Mexico Supreme Court's 2016 amendments to Rules 1-009, 1-017, 1-055, and 1-060 NMRA, and its creation of Form 4-226 NMRA, regarding consumer debt claim litigation in the district courts, the Committee concluded that similar amendments to the metropolitan and magistrate court rules are necessary to alleviate systemic problems and abuses that currently exist in the litigation of consumer debt cases in these courts. The abuses include pleadings and judgments based on insufficient or 20 unreliable evidence, "robo-signing" of affidavits by those with no personal knowledge of the debt at issue, creditors suing and obtaining judgments on time-barred debts, and an alarmingly high percentage of default judgments (often caused in part by a lack of sufficient detail in the complaint for a self-represented defendant to determine the nature of the claim and its validity).

For an interpretation of the phrase "acting in the ordinary course of business," see Wilson v. Mass. Mut. Life Ins. Co., 2004 -NMCA-051, ¶ 32, 135 N.M. 506, 90 P.3d 525, overruled on other grounds by Schultz ex rel. Schultz v. Pojoaque Tribal Police Dep't, 2010-NMSC-034, 148 N.M. 692, 242 P.3d 259 (interpreting course of business as "business practice that is routine, regular, usual, or normally done"). Medical bills, subject to relevant Health Insurance Portability and Accountability Act (HIPAA) regulations, and 10 student loans, are considered consumer debt claims for the purposes of this rule.

[As amended by Supreme Court Order No. 20-8300-005, effective for all cases filed on or after December 31, 2020.]

For jurisdiction of metropolitan courts, see Section 34-8A-3 NMSA 1978. For form on civil complaint, see Rule 4-201 NMRA. For the exclusive original jurisdiction of the district court of claims under the Tort Claims Act, Section 41-4-1 NMSA 1978 et seq., see Section 41-4-18 NMSA 1978.