Has a judgment been entered against you without your knowledge?

How Come I Didn’t Know That a Judgment Was Entered Against Me?

Unfortunately, many people only learn about judgments after they have been entered. In fact, this happens far too often. Although New York law requires that a creditor must first file a lawsuit and then give you adequate notice of the case, misinformation about your whereabouts or even an unscrupulous process server can lead to bad service (and ultimately uncontested judgments). If you don’t respond to the lawsuit, it doesn’t prevent the creditor from seeking a judgment. Instead, it becomes easier for a creditor to obtain a judgment and it has the same authority as any other type of judgment.

Why Do Creditors Want Judgments?

Creditors file lawsuits specifically to obtain judgments so they can try to force you to repay a debt they feel you owe. In New York, a judgment gives a creditor the power to try and garnish your wages, freeze your bank accounts or place a lien on your property. In each scenario, the creditor no longer has to ask you to pay your debt. Instead, the creditor now has the power to force your hand – regardless of how it impacts your finances.

Additionally, creditors want to obtain judgments because they are enforceable for at least twenty (20) years in New York State and accrue interest at 9% until they are repaid in full. Please note that a “Statute of Limitations” argument (i.e. the amount of time a creditor can file a lawsuit to obtain a judgment) should not be confused with the amount of time a creditor has to collect on a judgment.

Thus, a judgment is very valuable to a creditor because it greatly increases the creditor’s powers to collect on the debt and significantly lengthens the amount of time they can come after you for payment.

Options for Resolving Judgments

Your options for resolving a judgment can range from settling off the debt with your creditor to filing a motion to have the judgment thrown out so that you can either be afforded the opportunity to defend the lawsuit or prevent the creditor from coming after you anymore.

Whether a motion is available to you depends on a number of detailed factors, and our knowledgeable attorneys are always willing to help you investigate the best option available to you. Please contact us today for more information or visit us at:


Attorney Advertisement: The information in this post is intended for general use only and should not be construed as legal advice. Mere review of the information herein does not create an attorney-client relationship. Furthermore, the mere submission of any question or request for representation made via this post does not create an attorney-client relationship. *Prior results do not guarantee a similar outcome.


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