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.