877-DEBT-NY-LAW 
Efstathios Georgiou — Consumer Debt Defense Attorney
Efstathios Georgiou is a New York attorney who defends individuals in consumer debt collection matters — including collection lawsuits, default judgments, wage garnishments, and bank restraints. He does not operate a debt settlement, debt relief, or credit repair business. His focus is legal representation: protecting your rights and defending you at each stage of a collection matter under federal and New York law.
The bank-side advantage: Efstathios spent five years representing financial institutions before dedicating his practice to defending consumers. That background gives him insight into how creditors build, value, and pursue collection claims — and how to test the evidence behind them.
Background & credentials: He earned his J.D. from New York Law School and his B.A. in Political Science and History from New York University. He is licensed to practice in New York and is a member of the New York City Bar Association Consumer Affairs Committee. His practice draws on federal and New York consumer protection law, including the Fair Debt Collection Practices Act (FDCPA).
How he works: Every case turns on its specific facts, documents, timing, and applicable law. Efstathios reviews each matter individually, explains your options in plain language, and pursues a defense strategy suited to your situation. No outcome is guaranteed, and representation begins only after a written retainer agreement is signed.
