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Sewer Service: The Hidden Judgment You Never Knew Existed

If a judgment has been entered against you and you were never served with a lawsuit, New York law may give you a powerful remedy — with no time limit to assert it. In this episode, attorney Efstathios Georgiou breaks down one of the most pervasive and least understood problems in New York consumer debt litigation: sewer service.

What You'll Learn:

• What sewer service is — and why it's illegal, widespread, and documented at the highest levels of New York enforcement
• How creditors and debt buyers obtain default judgments against consumers who were never actually served
• Red flags that suggest your default judgment was obtained through improper service
• CPLR § 5015(a)(4) — why a jurisdictional motion to vacate carries no time limit, even if the judgment is years old
• What a Traverse hearing is and how cross-examining the process server can expose deficient or fabricated service
• What happens after vacatur — your right to answer, raise defenses, and litigate or settle on the merits
• How to stop active wage garnishment or bank levies while a motion to vacate is pending

This episode is for you if:

✔ You discovered a judgment through a frozen bank account or wage garnishment ✔ You never received any court papers about a lawsuit ✔ The affidavit of service describes someone who doesn't live at your address ✔ You assumed the judgment was too old to challenge

Take Action:

A judgment you didn't know about is not necessarily a judgment you have to live with. At Georgiou Law, we handle motions to vacate default judgments in New York City courts and evaluate whether improper service is the basis for setting aside judgments — including judgments that are years old.

📞 Call now for a consultation: 917-764-3072 🌐 Georgiou Law, PLLC | 14 Wall Street, New York, NY Clear Your Debt, Claim Your Future ®