In his July 13, 1885, diary entry, Thomas Edison wrote: "A lawsuit is the suicide of time." Almost a century and a half later, few litigants would dispute this proposition. While plaintiffs attorneys frequently search for ways to expedite reaching final judgment, few are successful. To the relief of a certain category of creditors, New York offers an avenue out of this quagmire. Creditors seeking recovery on "an instrument for the payment of money only" may avail themselves of an expedited process under CPLR Section 3213, a motion for summary judgment in lieu of complaint.