Georgiou Law, PLLC Podcast

Send us Fan MailIn 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 debt, giving creditors powerful tools to collect. In New York, judgments last 20 years and accrue 9% annual interest, so ignoring them can quickly make things worse.We cover the main ways creditors enforce judgments, including:Wage garnishment, which can reduce your paycheck Bank account restraints and levies, which can freeze or seize funds Information subpoenas, requiring you to disclose financial details under oath But you’re not without options. The episode explains key strategies, such as:Vacating a default judgment if you didn’t respond to the lawsuit and have a valid excuse and defense Negotiating a settlement or payment plan, even after judgment Using legal exemptions that protect certain income and assets (like Social Security, retirement accounts, and some personal property) We also highlight how judgments can attach as liens to real estate, affecting your ability to sell or refinance your home.The big takeaway: time matters. The longer you wait, the more interest builds, enforcement intensifies, and your legal options narrow.If you’re dealing with a judgment, understanding your rights and acting quickly can make a significant difference in your outcome.

Send us Fan MailThis 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) typically have strong documentation and direct relationships with the account. In contrast, debt buyers purchase charged-off debts in bulk for a fraction of the value, often with limited records.Because of this, debt buyers frequently face evidentiary challenges, including proving ownership of the debt (chain of title), authenticating records, and meeting legal standards in court. These weaknesses can create strategic advantages for consumers, particularly in settlement negotiations or litigation. The episode also highlights key legal protections, such as the Fair Debt Collection Practices Act (FDCPA) and statute of limitations defenses, which may apply to debt buyers but not original creditors.If you’ve been sued by a company you don’t recognize, don’t ignore it—your defense strategy depends on understanding who is suing you. Contact Georgiou Law today to evaluate your case, protect your rights, and explore your options for dismissal or favorable settlement.

Send us Fan MailIn 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—especially for those experiencing financial hardship—defending a lawsuit can protect your rights, challenge weak claims, and potentially avoid devastating consequences like wage garnishment or bank levies.We explain how each option impacts your financial future, your credit, and your legal exposure—and why there is no one-size-fits-all answer. In many cases, the best strategy is a hybrid approach: defending where strong legal defenses exist, while negotiating settlements where appropriate.Most importantly, we highlight why working with a law firm—not a settlement company—matters, because only an attorney can defend you in court and strategically guide both paths.If you’re being sued or struggling with debt and don’t know which path is right for you, don’t guess. Call Georgiou Law at (917) 764-3072 for a free consultation. We’ll analyze your situation and help you make the right legal decision for your future.

Send us Fan MailThis 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 evidence. They view cases as part of recurring patterns, not personal stories, and focus on whether each side meets legal standards.The podcast highlights that participation is essential—when defendants fail to respond, judges cannot step in to help. It also underscores that presentation, organization, and credibility matter significantly, while emotional arguments and personal hardship generally do not influence outcomes. Judges are aware of high-volume creditor litigation and expect proper proof when cases are contested. Importantly, once a judgment is entered, courts become less flexible, making early action critical.Ultimately, the episode reframes litigation as a structured legal process—not a personal battle—and explains that those who align with procedure, preparation, and credibility are in the strongest position.If you are facing a debt lawsuit or unsure how to properly position your case, do not navigate it alone. Contact Georgiou Law at (917) 764-3072 for a consultation and take control of your legal strategy today.

Send us Fan MailIn 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 process—it is a psychological one, designed to trigger fear, urgency, and silence.We explain how tactics like shame, vague threats, overwhelming paperwork, and strategic silence are used to push individuals toward costly mistakes—especially defaults, which are often the true goal of collection firms. The episode highlights how early settlements, unnecessary admissions, and rushed decisions can work against you before you even understand your rights.Most importantly, we discuss how knowledge shifts power. When you understand the system, the timelines, and your legal defenses, fear loses its grip. A structured, informed response can completely change the dynamic—forcing the other side to prove their case instead of relying on pressure.If you are feeling overwhelmed or pressured by a debt lawsuit, you do not have to face it alone. Contact Georgiou Law at (917) 764-3072 for a consultation and take back control of your case with clarity and strategy.

Send us Fan MailIn this episode of Clear Your Debt Claim, Your Future, Georgiou Law explains a surprising reality about many credit card debt lawsuits: they are often built backwards.Most consumers assume that before a lawsuit is filed, the creditor has already verified the balance, confirmed ownership of the debt, and gathered all supporting documents. In reality, the debt collection system often works very differently. Because many collection law firms handle thousands of cases each year, lawsuits are frequently filed initially with limited data, and the detailed review of documents occurs only later, if the defendant responds.This high-volume model exists because most cases end in default judgments when consumers do not respond. When a defendant remains silent, courts rarely require deeper proof. But when someone files an answer and challenges the case, everything changes. Suddenly, the creditor must prove ownership of the debt, the accuracy of the balance, and the supporting documentation, and weaknesses can begin to appear.Understanding this process is important because defense creates scrutiny. It requires the plaintiff to prove their case rather than rely on assumptions. While defending a case does not automatically guarantee dismissal, it can shift leverage and open the door to better outcomes.The key takeaway is simple: a filed lawsuit does not necessarily mean the case is airtight. Many debt cases only become fully developed when someone challenges them.If you have been sued for credit card debt in New York or have questions about your legal options, contact Georgiou Law for a consultation at (917) 764-3072. Understanding your rights and responding strategically can make a significant difference in how your case unfolds.

Send us Fan MailIn this episode of Clear Your Debt, Claim Your Future, Efstathios Georgiou explains that in credit card debt lawsuits, more paperwork does not necessarily mean stronger evidence. Many consumers panic when they receive thick packets of documents, assuming the creditor has already proven its case. In reality, courts focus on legal requirements—not the volume of documents.Judges first look at key issues such as whether the plaintiff has standing, whether the correct defendant is being sued, and whether the claim is supported by admissible evidence. Common documents like account statements, affidavits from servicing companies, or spreadsheets often appear convincing but can be legally weak if they are not properly authenticated or supported by someone with personal knowledge.The episode also highlights the importance of the underlying credit agreement and, when a debt buyer is involved, the need to prove a clear chain of ownership. Without proper documentation and foundation, many claims can be challenged.The key takeaway: consumers often read documents emotionally, but courts analyze them as evidence. Understanding the difference can change how a case is evaluated and defended.If you are being sued and unsure what the documents in your case actually mean, contact Georgiou Law at (917) 764-3072 for a consultation, and subscribe to Georgiou Law, PLLC for more guidance on defending debt lawsuits.

Send us Fan MailIn 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 life is over. This episode challenges that assumption.The discussion explains the three primary post-judgment enforcement tools used in New York: bank account restraints, wage garnishments, and information subpoenas. Listeners learn that while these tools are powerful, they are not unlimited. Certain income sources — including Social Security, disability benefits, and public assistance — are legally protected. Procedural errors, improper service, and overreaching enforcement actions can often be challenged.The episode also addresses an important reality: judgments can sometimes be vacated, modified, or strategically settled. Post-judgment leverage still exists. Creditors face costs, risks, and potential liability if enforcement is mishandled. Settlement after judgment is more common than most people realize.The key takeaway: a judgment is a legal tool — not the end of the story. With the right strategy and timely action, consumers may still protect their income, accounts, and long-term financial stability.If you are dealing with a judgment, bank restraint, wage garnishment, or information subpoena in New York, do not assume you are out of options. Contact Georgiou Law at (917) 764-3072 for a consultation and learn how to protect your rights and take control of the next chapter.

Send us Fan MailIn 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 low-cost solutions, DIY filings, and template-based answers that promise speed and savings. While affordability matters, litigation is not an area where “something is better than nothing.” A poorly drafted Answer can waive defenses, admit harmful allegations, and permanently damage leverage. Template filings often fail to account for standing issues, service defects, evidentiary gaps, and procedural nuances that can make or break a case.The episode also explains how plaintiff firms quickly identify weak or boilerplate defenses, how “ghost services” leave consumers unprotected after the initial filing, and why fixing mistakes—after defaults, judgments, wage garnishments, or bank restraints—almost always costs more than handling the matter correctly from the outset.The core takeaway: real value in debt defense is not about paying the lowest fee. It is about protecting your rights, preserving leverage, preventing judgments, and controlling outcomes before problems escalate.If you are facing a credit card lawsuit, judgment enforcement, wage garnishment, or bank restraint in New York, make an informed decision before filing anything. Protect your legal position from the start.Call Georgiou Law, PLLC at (917) 764-3072 for a consultation and take the first step toward protecting your financial future.Clear Your Debt. Claim Your Future.

Send us Fan MailIn 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 the timeline actually works.The episode breaks down the process in clear, practical terms:Filing is not the same as being served. A case may be filed, but nothing legally happens to you until you are properly served. Deadlines start at service—not at filing.Responding on time changes everything. Filing an Answer prevents a default judgment and keeps you in control of the case.Silence after you respond is normal. Many people panic when nothing seems to happen. In reality, litigation moves slowly. That quiet period often means the plaintiff is evaluating whether the case is worth pursuing.Discovery exposes strengths and weaknesses. If the case continues, both sides exchange information. This is where documentation, proof, and legal standards matter.Judgments don’t appear overnight. In defended cases, they require motions, notice, and court action. They are not automatic surprises.The overall message is simple: litigation is a process, not an ambush. When you understand the timeline, the fear starts to fade and better decisions follow.If you’ve been served with a lawsuit and you’re unsure what comes next, don’t sit in uncertainty. Call (917) 764-3072 for a free 30-minute case review and get clarity on your options. The sooner you understand your position, the stronger your strategy becomes.

Send us Fan MailIn 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 separates financial responsibility from legal liability and explains why debt lawsuits are not moral judgments—they are rule-based legal proceedings. Even when a consumer used the credit card or fell behind, the creditor still carries the burden of proof. They must establish standing, accuracy of the balance, admissible evidence, and strict procedural compliance.We explore why many debt cases fail due to missing documents, defective affidavits, broken chains of assignment, and unreliable records—especially in cases brought by debt buyers. We also explain why admitting “I owe the debt” can be legally harmful, how strong cases are often lost through inaction or panic, and why early evaluation preserves leverage.The key takeaway is simple but powerful: stop asking whether you owe the money, and start asking whether the plaintiff can prove its case under the law. That shift alone can change outcomes—from dismissals to reduced settlements and controlled resolutions.If you are being sued on a credit card debt, facing a judgment, or dealing with post-judgment enforcement, do not assume your case is weak. Get informed before your options narrow.Call Georgiou Law at (917) 764-3072 to discuss your situation and understand your legal options.Clear Your Debt, Claim Your Future.

Send us Fan MailThe 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 being responsible, just “getting information,” or trying to calm the situation. In reality, that call is not neutral. It’s the moment leverage quietly starts slipping away.When you contact the other side before understanding the rules of the game, you’re speaking to trained professionals whose job is to strengthen their case — not protect you. Every detail you share, even casually, reduces uncertainty. And in litigation, uncertainty is leverage.Honesty without strategy becomes exposure. Early settlement talk often backfires, signaling urgency and willingness that strengthen the plaintiff’s position rather than yours. Litigation isn’t about silence versus cooperation — it’s about sequence. Who speaks first, what’s demanded first, and what’s preserved matters more than people realize.The correct first move after being served isn’t communication. It’s an assessment. Understand who is suing you, what they must prove, and what defenses may exist before you say a word.If you’ve been served with a lawsuit, your first move can determine the outcome.Call Georgiou Law at (917) 764-3072 or visit www.georgioulawpllc.com before you make a costly mistake.Clear your debt. Claim your future.

Send us Fan MailIn 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 quietly transforms manageable balances into unpayable debt. Credit card interest is daily compounded, not simple, and once an account becomes delinquent, penalty APRs, fees, and canceled promotions can cause balances to grow rapidly—even without new charges. Minimum payments often barely cover interest, creating the illusion of control while balances remain inflated for years.This episode explains:How compound interest accelerates debt after missed paymentsWhy minimum payments fail to reduce principalHow interest and fees inflate lawsuit amounts beyond what consumers recognizeWhy higher balances motivate creditors to file lawsuitsWhen interest becomes a legal vulnerability due to missing contracts, unclear calculations, or incomplete recordsHow challenging interest calculations can create leverage for dismissal or settlementDoing nothing allows inflated balances to harden into judgments where interest may continue to accrue. Legal defense is about requiring proof—forcing creditors to justify every dollar they claim.If interest has turned your credit card debt into a lawsuit, judgment, or financial risk, you still have options.📞 Call (917) 764-3072 for a free case review.Clear Your Debt, Claim Your Future.

Send us Fan MailIn 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 a summons is not a collection letter—it is the formal start of a lawsuit—and in New York, consumers typically have only 20 to 30 days to respond.He explains that failing to answer allows creditors to obtain a default judgment without proving their case, which can lead to frozen bank accounts, wage garnishments, and long-lasting property liens. Many people ignore summonses out of fear or because they feel overwhelmed, but creditors rely on that inaction.The episode stresses that filing a simple answer preserves your rights, forces the creditor to prove their claim, and often creates leverage to negotiate a better settlement. Efstathios Georgiou reminds listeners that responding early is far easier than trying to undo a judgment later, and invites anyone who has been served with legal papers to call for a free consultation at (917) 764-3072.

Send us Fan MailMany 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 they buy a debt, and why their cases often rely on consumers failing to respond. Learn how forcing proof—rather than defaulting—can dramatically change the outcome of a debt buyer lawsuit and create real leverage to defend, dismiss, or settle the case on favorable terms.

Send us Fan MailThis 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 the risk of legal action, but acting early in January—by communicating, documenting hardship, and seeking legal advice—can help prevent lawsuits and reduce financial stress.

Send us Fan MailAs 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 quietly preparing behind the scenes, and how consumers can enter the New Year with clarity and strategy instead of fear.This episode covers common year-end debt mistakes to avoid, the emotional toll of financial pressure, and practical steps to protect yourself in January — including when to act, when to pause, and when to seek legal guidance. The episode closes with a holiday message and New Year reflection focused on stability, perspective, and forward progress.🎄 Happy Holidays and Happy New Year from Georgiou Law, PLLC.

Send us Fan MailThis 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 smarter, and when fighting a lawsuit is your strongest move. It also addresses the emotional side of debt and provides a clear, step-by-step framework to help viewers make informed decisions about their financial future.

Send us Fan MailThis 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.

Send us Fan Mailhis 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. The script details how overspending in December often results in missed payments and legal action by summer. It concludes with practical advice for avoiding these pitfalls, including setting strict spending limits and steering clear of risky credit offers, and offers legal help for those already struggling with debt.

Send us Fan MailThis 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, and protecting against future financial stress. The episode emphasizes consistency, patience, and proactive financial habits to achieve lasting credit improvement and financial resilience.

Send us Fan MailThis 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 also details how wage garnishments work, how to challenge or vacate judgments, and the importance of acting quickly. It emphasizes prevention by responding to lawsuits and keeping records, and encourages viewers to seek legal help to protect their finances.

Send us Fan MailThis 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, attorney-supervised debt settlement, like that offered by Georgiou Law, provides legal representation, follows federal regulations, and offers transparent, client-focused solutions. The episode outlines red flags to watch for in debt relief companies and stresses the importance of legal guidance and education in managing debt.

Send us Fan MailThis 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, and creating a forward-looking financial plan. The episode offers practical advice on gathering debt information, negotiating with creditors, handling legal threats, and rebuilding credit. Listeners are encouraged to get organized, seek legal help if needed, and focus on long-term financial stability.

Send us Fan MailIn 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 success stories, and essential tips to protect your progress. Whether you’ve just settled your debt or are planning to, this episode will help you restore your financial confidence and set yourself up for a brighter future.

Send us Fan MailThis 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 operate, the rights consumers have under the Fair Debt Collection Practices Act, and the importance of legal representation. The episode dispels common myths about debt collection, outlines steps to take if contacted by a debt buyer, and emphasizes that knowledge and timely action can protect consumers from unjust claims. The goal is to empower listeners to defend themselves and break the cycle of debt.

Send us Fan MailIn 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 effective strategies to break free from this cycle, including prioritizing high-interest cards and negotiating with banks. Get actionable tips and mindset shifts to transform your financial future and regain control of your finances. Don't miss out on this vital information that could save you from years of financial stress.00:00 Introduction to the Hidden Cost of Credit Card Minimum Payments00:52 The Trap Behind Minimum Payments02:32 Understanding the Math and Mindset04:04 The Dangers of Minimum Payments05:16 A Real Path Out of the Cycle06:59 An Action Plan for Listeners08:48 Conclusion and Final Thoughts

Send us Fan MailStruggling 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.

Send us Fan MailLearn 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!

Send us Fan MailThis 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 practical tips for gathering your own records and using evidence strategically to challenge a lawsuit. If you’re facing credit card debt litigation, this episode gives you the tools to protect your rights and improve your chances of success.

Send us Fan MailIn 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 exemptions, fight judgments, and prevent future freezes. If your bank account has been locked, don’t panic—get informed and take action to protect your rights and your finances.For a free consultation, call (917) 764-3072.

Send us Fan MailThis 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 Efstathios Georgiou explains your rights and options. Don’t wait until your paycheck is affected—get informed and take action today!

Send us Fan MailLearn 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!

Send us Fan MailLearn 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 rights and defend yourself!

Send us Fan MailIn 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. Please note that this information is provided for informational purposes only and should not be considered legal advice. For personalized assistance, contact Georgiou Law at (917) 764-3072. Stay informed and empowered!

Send us Fan MailIn 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 practices. Topics include the prohibition of harassment, false statements, and unauthorized communication. Efstathios Georgiou also offers practical advice on how to document violations and enforce your rights, emphasizing the importance of keeping records and the legality of pursuing cases without upfront legal fees. The episode concludes with a call to action for those in New York City facing aggressive debt collection to seek a free consultation with Georgiou Law, PLLC.

Send us Fan MailA 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 rights.