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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
45 episodes
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...
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“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been significantly scaled back over the past eighteen months — reduced enforcement staff, paused investigations, and withdrawn rules.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...
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...
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...
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...
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...
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 ...
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...
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...
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...
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...
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 ...
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...
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...
When the Lawsuit Is Only the Beginning: Understanding Life After Judgment in New York
In this episode of Clear Your Debt, Claim Your Future, Efstathios Georgiou breaks down what a judgment in New York really means — and what it does not. Many consumers believe that once a creditor obtains a judgment, their financial lif...
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...
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 <...
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...