Owners & management · 10/13/2026
NYC Debt Demolisher Waives Some Interest on Unpaid ECB Fines
The city Finance Department's Debt Demolisher program waives some interest on unpaid Environmental Control Board judgments so owners can pay the original fine. It is open to small businesses, co-ops, condos and other homeowners. The city hopes to collect up to $25 million. It does not cover all violation debt, and it ends Jan. 10, 2027.
Reported by Habitat MagazineRead the original ↗

What happened
New York City started a program on Tuesday, October 13, 2026 to help people clear old unpaid Environmental Control Board (ECB) judgments. These are fines issued by city agencies, including the buildings, sanitation and transportation departments, and decided at the Office of Administrative Trials and Hearings (OATH). The Department of Finance (DOF) runs the program. DOF calls it the ECB Amnesty and Compliance Program. Habitat Magazine, citing The City Reporter, calls it Debt Demolisher. It ends Sunday, January 10, 2027. DOF says Mayor Mamdani and the City Council authorized it.
The two sources describe the savings a little differently. Habitat says the city will waive some interest so people will pay the original fine. DOF says certain fines and interest can be waived, and savings may reach 75% in some cases. DOF says the amount depends on when a violation went into judgment and whether the respondent went to the OATH hearing. To take part, you look up your judgments at nyc.gov/mysummons or visit a DOF business center. You then pay the reduced amount in full.
Some judgments do not qualify. Habitat lists judgments from tickets that came from a citizen complaint, violations turned into tax liens, violations under criminal investigation, and violations covered by an agreement with the sheriff, a city marshal or the corporation counsel. DOF adds that judgments needing corrective action qualify only if the issuing agency approves the correction and DOF gets confirmation by the end date.
Habitat reports that the city hopes to collect up to $25 million that officials say would otherwise go unpaid. In March, DOF announced a review of unpaid fines, with potential debt of $573 million. DOF says another $744 million was judged uncollectible because of death, bankruptcy or business closure. Habitat notes that the city expects a $6 billion budget deficit in the next fiscal year.
Key facts
- Program
- ECB Amnesty and Compliance Program, also called Debt Demolisher
- Agency
- NYC Department of Finance; judgments adjudicated by OATH
- Start date
- Tuesday, October 13, 2026
- Deadline
- Sunday, January 10, 2027
- Savings
- Certain fines and interest waived; up to 75% in some cases, per DOF
- Collection goal
- Up to $25 million, per Habitat
- How to pay
- Pay the reduced amount in full at nyc.gov/mysummons or at a DOF business center
- Questions
- Contact DOF, call 311, or visit a DOF business center
What it means
Landlords
If your building has old unpaid ECB judgments from agencies like the buildings or sanitation departments, look them up at nyc.gov/mysummons before January 10, 2027. If a judgment also requires a fix, start now. The issuing agency must approve the correction and DOF must get confirmation by the deadline.
Buyers and owners
Co-op and condo boards and homeowners with old fines may be able to pay less if they pay in full during the program. Judgments already converted into tax liens are excluded.
Caseworkers
Clients who own homes or small businesses and carry old ECB debt can check eligibility with a name and address, ticket number or OATH ID. They can also get help at a DOF business center or by calling 311.
The highlights
- The program runs through Jan. 10, 2027.
- It covers ECB judgments from the buildings, sanitation and transportation departments.
- It excludes tax liens, citizen-complaint tickets and debts with the sheriff or marshal.
Why it matters Landlords
Owners with old DOB, sanitation or DOT fines may lower what they owe if they pay before Jan. 10, 2027.
What to do: Check your buildings for unpaid ECB judgments and confirm eligibility before Jan. 10, 2027.
Not known yet
- The exact discount formula for each kind of judgment
- How DOF decides whether a ticket stemmed from a citizen complaint
- Whether any payment plan option exists, since DOF describes paying the reduced amount in full
- What happens to eligible judgments left unpaid after January 10, 2027
Background
In New York City, agencies such as the Department of Buildings, the Department of Sanitation and the Department of Transportation issue many civil summonses that are heard at OATH. If the respondent loses or does not appear, the result is a judgment that carries a penalty and can grow with interest. DOF handles collection of these judgments. Some violations also require the owner to fix the condition and get a Certificate of Correction from the issuing agency, which is separate from paying the fine.
Also drawn from: Debt Demolisher ECB Amnesty and Compliance Program (NYC Department of Finance)
Summary written by Bulwark from Habitat Magazine’s reporting. The original story is at habitatmag.com. This is general information, not legal advice.
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Photo: Andre Carrotflower, CC BY-SA 4.0