I live in California, but a notoriously bad company (poor BBB ratings and class action suits against it) won a default judgement against me in NY. I never received a summons or anything. I only found out after checking my credit report like I do every year. I was promised an item if I signed up for a service. I never received the item and the company still wanted me to pay for the service. Another company involved had agreed to stop their contract with me after finding out I never received the promised item that lured me into the contract in the first place. But, this one wouldn't and kept trying to charge me.
Judgment liens are the result of someone winning a lawsuit, and then entering the judgment against your property. They can be placed on your car or home.
A lien gives a creditor certain rights to a debtor's property in order to ensure payment of a debt. Liens can be either voluntary or involuntary.