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Georgiou Law, PLLC Podcast
Georgiou Law, PLLC is a New York–based consumer law firm founded by former bank attorney Efstathios Georgiou. The firm is dedicated to defending individuals against credit card lawsuits, and abusive debt collection practices. With a strong focus on fairness, transparency, and access to justice, Georgiou Law provides flat-fee legal services and custom debt relief strategies tailored to each client’s needs. Known for its slogan “Clear Your Debt, Claim Your Future” the firm combines legal expertise with compassion to help New Yorkers reclaim their financial future.
Episodes
49 episodes
The Psychology of Collection Law Firms: How Pressure Is Engineered
In this episode of Clear Your Debt, Claim Your Future, we break down the psychology behind collection law firms and how pressure is deliberately engineered to influence consumer behavior. Debt collection is not just a legal proc...
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What Judges Actually Think When They See Debt Cases
This episode explains a critical but often misunderstood aspect of debt litigation: how judges actually think. It emphasizes that judges are not motivated by sympathy or frustration over debt, but by strict adherence to the law, procedure, and ...
Debt Settlement vs. Defending a Lawsuit: Which Path Is Actually Right for You?"
In today’s episode, we break down one of the most important decisions anyone facing debt can make: should you settle your debt or defend a lawsuit?While settlement may offer a path to resolving debt for less than what is owed—espe...
How Debt Buyers Are Different from Original Creditors — and Why It Matters
This episode explains the critical difference between original creditors and debt buyers—a distinction that can significantly impact how you defend a debt collection lawsuit. Original creditors (like banks or credit card companies...
What Happens After a Judgment Is Entered — and How to Respond
In this episode of Clear Your Debt Claim, Your Future, we break down what happens after a court judgment is entered against you—and why it’s not the end of the road.A judgment means the court has legally determined you owe a deb...
The Statute of Limitations on Credit Card Debt in New York
Episode SummaryOne of the most powerful — and most misunderstood — defenses in credit card debt lawsuits is the statute of limitations. In this episode, attorney Efstathios Georgiou breaks down how long creditors and debt buyers a...
Protecting Your Credit Report During and After Debt Resolution
Clear Your Debt, Claim Your Future — Episode Summary Presented by Georgiou Law, PLLCWhat We CoveredYour credit report is a document — and documents can contain errors. In this episode, we walked through how ...
Sewer Service: When You Never Got the Lawsuit Papers
Sewer Service: The Hidden Judgment You Never Knew ExistedIf 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 e...
When Creditors Break the Rules: Your Rights Under the FDCPA
Episode Summary:Most people in debt believe they have no rights when creditors and collectors come calling. They're wrong. In this episode of Clear Your Debt, Claim Your Future, attorney Efstathios Georgiou of Georgiou La...
Discovery in Debt Cases: How to Make the Creditor Prove Its Case
When a debt buyer or creditor sues you over a credit card or personal loan, the complaint is only a set of allegations — not evidence. Discovery is the pre-trial phase where the plaintiff has to put up or shut up.In this episode of C...
Buy Now, Pay Later — and Get Sued Later: The New Debt Crisis Nobody Warned You About
Buy Now, Pay Later — Get Sued Later?It barely existed five years ago. Now it's one of the fastest-growing sources of consumer financial distress in America. Klarna, Affirm, and Afterpay made it easy to split a purchase into four p...
“Who Protects You Now? Consumer Rights in 2026 and What New Yorkers Need to Know”
The Consumer Financial Protection Bureau has been significantly scaled back over the past eighteen months — reduced enforcement staff, paused investigations, and withdrawn rules. Many consumers hear that and assume their protections are gone. T...
Wage Garnishment in New York: What a Creditor Can Take From Your Paycheck — and What the Law Protects
Wage Garnishment in New York: What a Creditor Can Actually Take From Your PaycheckGot a debt judgment against you? The first question almost everyone asks is: "Can they take money from my paycheck?" The honest answer is someti...
The Arbitration Clause in Your Credit Card Agreement: What It Means and When It Matters
Buried in almost every credit card agreement is a mandatory arbitration clause — and most people never think about it until they're facing a collection lawsuit. In this episode, attorney Efstathios Georgiou breaks down what arbitration actually...
Automated and AI-Powered Debt Collection: Your Rights in an Age of Algorithms
Debt collection has always been a volume business — but automation and AI have supercharged it. Predictive dialers can place thousands of calls an hour, bulk text and email campaigns run without a human ever touching send, and in 2025–2026 some...
Zombie Debt: When Collectors Try to Collect on Claims That Should Be Dead
Old debt doesn't always stay buried. In this episode of Clear Your Debt, Claim Your Future, attorney Efstathios Georgiou of Georgiou Law explains "zombie debt" — old credit card and personal loan accounts that resurface in collection a...
Joint Accounts, Authorized Users, and Co-Signers: Who Is Actually on the Hook?
Title: Joint Accounts, Authorized Users, and Cosigners: Who's Actually on the Hook?Show Notes:Divorced but still getting collection calls about your ex's credit card? Added as an authorized user and now a debt collec...
The January Financial Hangover: How Missed Payments Turn Into Lawsuits
This episode from Georgiou Law explains how January is a critical month for consumers with credit card debt. After the holiday season, creditors and debt collectors closely monitor accounts for missed payments, which can quickly escalate into l...
Who Really Owns Your Debt? The Truth About Debt Buyers and Lawsuits
Many credit card lawsuits are not brought by your original bank, but by debt buyers who purchased alleged debts for pennies on the dollar. This episode explains how and why banks sell charged-off accounts, what debt buyers actually receive when...
Why Ignoring a Summons Is the Most Expensive Decision You Can Make
In this episode of Clear Your Debt, Claim Your Future, attorney Efstathios Georgiou explains why ignoring a summons and complaint is one of the most expensive mistakes a consumer can make when facing debt collection. He clarifies that ...
How Interest Quietly Turns Credit Card Debt Into a Lawsuit
In this episode of Clear Your Debt, Claim Your Future, Attorney Efstathios Georgiou explains how interest—not spending—is often the real engine behind credit card lawsuits.Interest does not arrive with a summons, but it q...
The First Mistake People Make After They Get Served — And Why It Costs Them Everything
The first mistake most people make after being served with a lawsuit isn’t ignoring the papers — it’s picking up the phone too fast.In the first 24 hours, fear and urgency take over. People call the creditor’s law firm, thinking they’re ...
Why Your Case Is Stronger Than You Think — Even When You Owe the Money
In this episode of Clear Your Debt, Claim Your Future, we break down one of the most damaging misconceptions in consumer debt law: the belief that owing money automatically means you lose your case. It does not.This discussion s...
The Timeline Nobody Explains: What Really Happens Between a Lawsuit and a Judgment
In this episode, the focus is on one of the most stressful parts of a debt lawsuit—the time between being served and the possibility of a judgment. It’s the period where fear tends to take over, largely because most people don’t understand how ...
Why Most ‘Affordable’ Debt Help Becomes the Most Expensive Choice
In this episode, Efstathios Georgiou of Georgiou Law, PLLC breaks down a difficult but critical reality: the cheapest debt help can often become the most expensive mistake.Many consumers facing credit card lawsuits are drawn to lo...