Facing Credit Card Debt in New York?
You May Have Legal Options - Even Before a Lawsuit Is Filed.
This Page Is For You If:
✔ You'VE RECEIVED A COLLECTION LETTER OR PHONE CALL
We Provide Legal Representation —
Not Debt Settlement Services
My experience with Mr. Georgiou’s law firm was exceptional. From the very beginning, I felt completely safe and confident in their hands.
Nadine X.
He was incredibly helpful, kind, and patient, providing outstanding service every step of the way.
Amanda H.
REQUEST A CASE REVIEW
If you are dealing with a collection matter in New York — whether before a lawsuit, during
litigation, or after a judgment — you may wish to consult an attorney promptly.
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Georgiou Law, PLLC is a New York law firm. We do not:
• Operate as a debt settlement company
• Provide debt consolidation services
• Provide credit repair services
• Require clients to stop paying creditors
• Guarantee debt elimination or reduction
Any potential resolution depends on the specific facts, documentation, and applicable law.
This website is for informational purposes only and does not constitute legal advice. Contacting Georgiou Law, PLLC or submitting information through this site does not create an attorney-client relationship. An attorney-client relationship is formed only through a signed written retainer agreement. Georgiou Law, PLLC provides legal representation to individuals in New York. The firm does not operate as a debt settlement company or debt relief agency. No guarantee is made regarding debt reduction, dismissal, settlement terms, or any specific outcome. Results depend on the facts of each case.
© 2026 Georgiou Law, PLLC. All Rights Reserved.
ADDRESS
14 Wall Street, 20th Floor
Suite 2094
New York, NY 10005
PHONE NUMBER
(917) 764-3072
Attorney Responsible for Content: Efstathios Georgiou
Jurisdiction: Admitted in New York
Legal fees vary depending on:
• Stage of the matter (pre-suit, litigation, or post-judgment)
• Scope of representation requested
• Complexity of the case
Legal Fee
Transparency
All fees are disclosed in writing before representation begins.
No attorney-client relationship exists unless and until a written retainer agreement is signed.
We do not charge advance fees for debt settlement services.
Legal representation in debt matters. Results are not guaranteed and outcomes may vary based on individual circumstances. Outcomes vary by creditor, debt amount, financial circumstances, and case status. Risks may include credit score impact, continued collections, possible lawsuits, and potential tax consequences on forgiven debt. Alternatives include bankruptcy (Chapter 7 or 13), nonprofit credit counseling, or self-negotiation. All fees and scope of representation are disclosed in a written retainer before services begin.
Attorney Advertising. Prior results do not guarantee similar outcomes. Georgiou Law, PLLC – New York.
Three Stages of a Debt Case
If a creditor or debt buyer is threatening legal action, an attorney may:
• Communicate with the creditor or its counsel
• Evaluate potential legal defenses
• Assess documentation
• Explore resolution options where appropriate
Not all collection accounts result in lawsuits. Early legal review may clarify your position.
✔ YOU'VE BEEN SERVED WITH SUMMONS
✔ You have an active judgment against you that has led to wage garnishment or bank restraint
✔ you have defaulted on a personal loan
This Page Is NOT for:
✘ Credit repair
✘ Debt Consolidation Loans
✘ Debt Management Plans
✘ Bankruptcy Filings
Client testimonials reflect individual experiences. They do not guarantee similar results. All
testimonials are published with written client consent.
Whether you are:
• Receiving collection letters
• Being threatened with legal actions
• Already sued
• Dealing with judgment, wage garnishment, or bank restraint
Georgiou Law, PLLC provides legal representation in consumer debt matters in New York.
Before a Lawsuit (Pre-Suit)
1
2
If You Have Been Sued
If you were served with a Summons and Complaint:
• You have a limited time to respond
• Failing to respond may result in a default judgment
Legal representation may include:
• Preparing and filing an Answer
• Raising applicable defenses
• Court appearances where required
• Litigation strategy tailored to your case
Every case depends on its specific facts and applicable law.
3
After a Judgment (Post-Judgment Defense)
If a judgment has already been entered:
• Wages may be garnished (where permitted by law)
• Bank accounts may be restrained
• Enforcement proceedings may begin
An attorney may evaluate available procedural options depending on timing and case history.
No specific outcome is promised or guaranteed.
Client testimonials reflect individual experiences. They do not guarantee similar results. All
testimonials are published with written client consent.
✘ SBA and student loans