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” t ...
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Legaltips Podcasts
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The January Financial Hangover: How Missed Payments Turn Into Lawsuits
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Send us a text 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 lawsuits if ignored. The episode highlights that ignoring creditor communications increases …
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Closing the Year With Debt, Entering the New Year With Strategy
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Send us a text 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 Efstathios Georgiou discusses why December is a critical financial crossroads, what creditors are qui…
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Bankruptcy vs. Debt Settlement vs. Litigation Defense: The Real Decision Tree No One Explains
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Send us a text 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 personal goals. The podcast covers when bankruptcy makes sense, when debt settlement is smart…
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What Really Happens After a Debt Is ‘Charged Off’ — The Life Cycle of a Delinquent Account
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Send us a text 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 stage of the debt cycle from a consumer attorney.…
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Holiday Spending, Credit Traps, and How the Season Quietly Leads to Lawsuits
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Send us a text 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 holiday season, such as enticing promotions, buy now/pay later options, and store credit cards. …
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Rebuilding After Debt: How to Repair Your Credit and Protect Your Future
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Send us a text 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, using tools like secured credit cards and credit builder loans, practicing safe credit habits,…
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Bank Restraints, Wage Garnishments, and Judgments: How to Stop Them Fast
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Send us a text 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 source, checking for exempt income, filing exemption forms, and consulting an attorney. It …
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Debt Settlement vs. Debt Relief Programs: The Truth Behind the Promises
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Send us a text 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, often charge illegal upfront fees, and leave consumers unprotected if sued. In contrast, atto…
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Your Credit-Card Debt Game Plan: From Overwhelmed to Organized in 5 Steps
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Send us a text 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 urgency, building a realistic settlement or payment strategy, protecting your legal rights, an…
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Rebuilding Your Credit Score After Settling Debt
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Send us a text 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 practical 90-day blueprint for recovery. Discover common mistakes to avoid, real client succe…
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Inside the Debt-Buyer Industry: The Truth Behind the Letters and Lawsuits
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Send us a text 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 and lawsuits. Host Efstathios Georgiou of Georgiou Law, PLLC explains how these companies ope…
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The Hidden Cost of Minimum Credit Card Payments: Break Free from Debt Today!
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Send us a text 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 harmless payments can keep you in debt for decades and cost you thousands in interest. Discover ef…
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Should You FIle for Banmkruptcy Over Credit Card Debt?
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Send us a text 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, and alternative solutions to help you regain financial control.…
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How to Negotiate with Credit Card Companies During Litigation
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Send us a text 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—understand your rights and improve your chances of a favorable outcome!…
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Send us a text 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 creditor cases—like missing documents or errors in calculation. The video also offers practi…
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Frozen Bank Accounts: Regaining Access to your Money
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Send us a text 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 protected, and the exact steps you can take to regain access to your money. Discover how to claim …
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Wage Garnishment in NY: What You Need to Know
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Send us a text 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. Whether you’re facing a court judgment or want to protect your income, attorney Efstathio…
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Send us a text 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 fast—contact (917) 764-3072 for a free consultation!…
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The Statue of Limitations: Your Hidden Defense
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Send us a text 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 you’re sued for a time-barred debt. Don’t let creditors catch you off guard—know your righ…
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Three Powerful Defenses Against Credit Card Debt Lawsuits
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Send us a text 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, and improper service can lead to a case dismissal or significant reduction in owed debt. Plea…
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Your Rights Under the Fair Debt Collection Practices Act (FDCPA)
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Send us a text In the second episode of 'Credit Card Debt Ends Here,' Efstathios Georgiou, the managing attorney at Georgiou Law, PLLC in New York City, walks listeners through their rights under the Fair Debt Collection Practices Act (FDCPA). The podcast explains key consumer protections against abusive, deceptive, and unfair debt collection pract…
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The Anatomy of a Credit Card Lawsuit in New York
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Send us a text A former bank attorney gives a quick explanation of a credit card lawsuit in NY. If you’re facing a credit card lawsuit in New York, don’t go it alone. Knowledge is power, but action is everything. Call Georgiou Law at (917) 764-3072 for a free consultation. We’ll review your case, explain your options, and fight to protect your righ…
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