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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, abusive debt collection practices, and errors in credit reporting. 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
27 episodes
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...
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Season 2
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Episode 6
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7:28
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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 ...
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Season 2
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Episode 5
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5:13
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...
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Season 2
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Episode 4
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9:28
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 ...
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Season 2
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Episode 3
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7:33
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...
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Season 2
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Episode 2
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6:02
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...
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Season 2
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Episode 1
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5:28
Closing the Year With Debt, Entering the New Year With Strategy
As the year comes to a close, financial stress often feels heavier — especially when debt, lawsuits, or unpaid balances are part of the picture. In this special December holiday episode of Clear Your Debt, Claim Your Future, attorney <...
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Season 1
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7:23
Bankruptcy vs. Debt Settlement vs. Litigation Defense: The Real Decision Tree No One Explains
This video breaks down the real decision tree for handling debt: bankruptcy, debt settlement, or litigation defense. Attorney Georgiou explains that there’s no one-size-fits-all answer—your best path depends on your debt, income, assets, and pe...
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Season 1
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11:29
What Really Happens After a Debt Is ‘Charged Off’ — The Life Cycle of a Delinquent Account
This podcast breaks down what happens after a debt is “charged off.” Learn the real meaning of charge off, what banks do with delinquent accounts, and how to protect yourself from lawsuits and aggressive collections. Get practical tips for each...
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10:54
Holiday Spending, Credit Traps, and How the Season Quietly Leads to Lawsuits
his episode, presented by a New York City-based law firm, explores how holiday spending habits can lead to credit card debt and, eventually, lawsuits. It explains the psychological and financial traps set by banks and retailers during the holid...
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9:27
Rebuilding After Debt: How to Repair Your Credit and Protect Your Future
This episode, "Rebuilding After Debt: How to Repair Your Credit and Protect Your Future," guides listeners through the steps to rebuild credit after resolving debt. It covers understanding how credit scores work, cleaning up credit reports, usi...
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Season 1
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Episode 17
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10:25
Bank Restraints, Wage Garnishments, and Judgments: How to Stop Them Fast
This podcast explains how to quickly stop bank restraints, wage garnishments, and judgments in New York. It covers what a judgment is, how bank accounts get frozen, and what steps to take if your account is restrained—including identifying the ...
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9:54
Debt Settlement vs. Debt Relief Programs: The Truth Behind the Promises
This episode explains the differences between debt settlement and debt relief programs, highlighting the risks and legal pitfalls of many commercial debt relief companies. It emphasizes that many advertised programs are not run by law firms, of...
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9:00
Your Credit-Card Debt Game Plan: From Overwhelmed to Organized in 5 Steps
This episode of "Clear Your Debt, Claim Your Future" guides listeners through a five-step plan to tackle credit card debt. Hosted by attorney Efstathios Georgiou, the show emphasizes understanding exactly what you owe, prioritizing debts by urg...
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Season 1
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Episode 15
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10:52
Rebuilding Your Credit Score After Settling Debt
In this episode of "Clear Your Debt, Claim Your Future," attorney Efstathios Georgiou explains how to rebuild your credit score after settling debt. Learn what happens to your credit report, the five key factors that impact your score, and a pr...
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Season 1
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Episode 14
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12:28
Inside the Debt-Buyer Industry: The Truth Behind the Letters and Lawsuits
This episode of "Clear Your Debt Claim, Your Future" dives into the debt-buyer industry—companies that purchase charged-off credit card debt for pennies on the dollar and aggressively pursue collection, often through official-looking letters an...
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Season 1
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Episode 12
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8:38
The Hidden Cost of Minimum Credit Card Payments: Break Free from Debt Today!
In this episode of 'Clear Your Debt, Claim Your Future,' host STA Georgio, managing attorney and founder of Georgio Law PLLC, uncovers the hidden dangers of making only minimum payments on credit card balances. Learn how these seemingly harmles...
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9:28
Should You FIle for Banmkruptcy Over Credit Card Debt?
Struggling with credit card debt? In this episode of "Claim Your Future" by Georgiou Law, PLLC, attorney Efstathios Georgiou breaks down the pros and cons of filing for bankruptcy. Learn when bankruptcy might be the right move, what to expect, ...
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6:21
How to Negotiate with Credit Card Companies During Litigation
Learn how to negotiate with credit card companies during litigation. Attorney Saio Georgio explains key strategies, legal defenses, and negotiation tips to help you settle credit card debt lawsuits in New York. Don’t face creditors alone—unders...
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Season 1
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5:52
Evidence That Can Win Your Credit Card Case
This episode of "Clear Your Debt Claim, your Future" explains the critical types of evidence needed to win a credit card debt lawsuit in New York. Attorney Sapio Estacio covers what counts as evidence, why it matters, and common weaknesses in c...
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5:51
Frozen Bank Accounts: Regaining Access to your Money
In this episode of "Clear Your Debt, Claim Your Future," attorney Efstathios Georgiou from Georgia Law, PLLC, breaks down everything you need to know about frozen bank accounts in New York. Learn why accounts get frozen, which funds are protect...
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6:49
Wage Garnishment in NY: What You Need to Know
This episode covers everything you need to know about wage garnishment in New York. Learn how the process works, what legal limits protect your paycheck, which types of income are exempt, and the steps you can take to stop or reduce garnishment...
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Season 1
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Episode 6
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6:43
Default Judgment: How to Fight Back
Learn what a default judgment is, how it can impact you, and the steps you can take to fight back—even after it’s entered. Attorney Efstathios Georgiou shares practical tips for overturning judgments and protecting your rights in New York. Act ...
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7:49
The Statue of Limitations: Your Hidden Defense
Learn how the statute of limitations can protect you from old credit card lawsuits! Attorney Efstathios Georgiou breaks down what the statute of limitations means, how recent changes in New York law affect your rights, and what steps to take if...
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7:14
Three Powerful Defenses Against Credit Card Debt Lawsuits
In this episode of 'Credit Card Debt Ends Here' by Georgiou Law, PLLC, host Efstathios Georgiou guides New Yorkers through three robust legal defenses against credit card debt lawsuits. Learn how lack of standing, the statute of limitations, an...
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6:11