877-DEBT-NY-LAW 
Clear Your Debt, Claim Your Future™
Debt negotiation and legal defense services may reduce what you owe, but results are not guaranteed. Outcomes vary by creditor, debt amount, financial circumstances, and case status. Risks may include credit score impact, continued collections, potential lawsuits, and tax consequences from forgiven debt. Please consult a tax professional. Alternatives include bankruptcy (Chapter 7 or 13), nonprofit credit counseling, or self-negotiation. Where applicable under federal and state law, no fees for debt negotiation services are charged unless a settlement is reached, accepted by you, and a payment is made to either the creditor, law firm, NYC Marshall or Sheriff. All fees and the scope of representation are disclosed in a written retainer before services begin.
Attorney Advertising. Prior results do not guarantee similar outcomes.
Georgiou Law, PLLC is a New York City-based law firm that provides legal representation to individuals involved in consumer debt collection matters, including pre-suit disputes, active litigation, and post-judgment proceedings.
Informs the Defense
Attorney Efstathios Georgiou has more than a decade of experience practicing law, including five years representing financial institutions as a bank lawyer. His background provides insight into how creditors evaluate claims, pursue litigation, and enforce judgments under New York law.
Every case is different. Legal options depend on the specific facts, documentation, timing, and applicable law.
What We Do — and What We Do Not Do
Georgiou Law, PLLC, provides legal representation in consumer debt matters in New York.
We do not:
- Operate as a debt settlement or debt relief company
- Provide debt consolidation or credit repair services
- Require clients to stop paying creditors
- Guarantee debt reduction, dismissal, settlement terms, or any specific outcome
All legal services are governed by a written retainer agreement.
When should you consult with an attorney?
You may wish to request a consultation if you are:
- Receiving collection letters or calls
- Being threatened with legal action
- Served with a Summons and Complaint
- Dealing with a judgment that has resulted in a wage garnishment, bank restraint or property lien
Not all collection matters result in lawsuits. Early legal review may help clarify your position.
Legal Fee Transparency
Legal fees vary depending on the stage of the matter (pre-suit, litigation, or post-judgment), scope of representation requested, and complexity of the case. 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.