Reduce What You Owe and Pay It Off Faster
If you're struggling with credit card debt, we can help you settle what you owe for a significantly reduced amount. Our legal approach puts you in control with custom solutions tailored to your financial reality.
How We Help
Start With a Free Legal Review
We Create a Solution That Fits You
Lower Payments. Faster Freedom.
Georgiou Law | Fair & Transparent Pricing
Affordable Legal Help for Credit Card Debt in NYC
Why Clients Choose Us
Most national debt relief companies charge 25% of your total debt and you only work with call-center negotiators. At Georgiou Law, you work directly with a licensed attorney at a flat, transparent rate — with no hidden charges.
Georgiou Law, PLLC now primarily assists clients with $10,000 or more in unsecured credit card debt.
We made this adjustment due to the high volume of inquiries involving balances under $5,000, which are often not cost-effective for clients to resolve through legal representation.
Exceptions:
We will continue to represent clients below $10,000 when:
- They have been sued
- They face a wage garnishment
- Their bank account is frozen
- A debt buyer has initiated litigation
- A time-sensitive hardship exists
Consultations remain free, and clients who meet the threshold may schedule immediately.
Our Fee Structure
- Minimum enrolled debt: $10,000
- 15% of the total enrolled debt
- Most cases do not have upfront fees unless your case falls into one of the following catagories
FTC / TSR DISCLOSURE – CONSULTATION FEES & LEGAL SERVICES
Important Notice Regarding Fees and Scope of Services
Georgiou Law, PLLC provides a range of legal services related to consumer debt, including litigation defense and post-judgment enforcement matters, such as wage garnishments, bank restraints, frozen accounts, court appearances, Orders to Show Cause, and related legal document preparation.
Fees may be charged upfront for these litigation and enforcement defense services, including consultations, court appearances, and preparation of legal documents (such as Powers of Attorney and Financial Hardship Affidavits), because these services are not debt-relief or debt-settlement services under federal law.
Debt Settlement and Debt Negotiation Services
If Georgiou Law, PLLC provides debt settlement, debt negotiation, or debt-relief services—including services intended to reduce, modify, or resolve unsecured debts—no fee is charged or collected until:
- A settlement or resolution is reached on a specific debt,
- The client agrees to that settlement, and
- The client has made at least one payment toward the agreed settlement.
This policy is intended to comply with the FTC Telemarketing Sales Rule (16 C.F.R. § 310).
No Guarantee of Outcome
All legal matters are fact-specific. Georgiou Law, PLLC makes no guarantees regarding the outcome of any litigation, enforcement defense, or debt-related matter.
How This Works in Practice
| Enrolled Debt | National Average Fee (25%) | Georgiou Law Fee (15%) | Your Savings |
| $10,000 | $2,500 | $1500 | $1000 |
| $25,000 | $6,250 | $3,750 | $2,500 |
| $50,000 | $12,500 | $7,500 | $5,000 |
| $100,000 | $25,000 | $15,000 | $10,000 |
Your Advantages
- Simple Flat Rate: Always 15% of your total enrolled debt.
- Attorney-Led Representation: Work directly with an experienced lawyer, not a call center.
- Transparency: No caps, no tiers, no hidden fees.
- Compliance: Fully compliant with the FTC’s Telemarketing Sales Rule (TSR) and New York Part 137 Fee Dispute Resolution Program.
Payment Options at Georgiou Law, PLLC
Georgiou Law is pleased to announce an exciting development for our clients. We’ve partnered with Maverick Payments and Authorize.net, a Visa company to provide fast, secure, and convenient payment options.
We now proudly accept:
- All major credit cards
- Debit cards
- ACH (electronic bank transfers)
This partnership ensures your payments are processed through one of the most trusted and secure gateways in the industry, backed by Visa’s world-class infrastructure.
Clients can now pay retainers, fees, or settlements with confidence and convenience, directly through our secure payment portal. For any questions or assistance with making a payment, please contact us at (917) 764-3072.
Important Notice
This disclosure is for informational purposes only. Exact fees will be confirmed in your written retainer agreement. Georgiou Law, PLLC does not guarantee any specific outcome or percentage of debt reduction.
Debt We Can Help With
We handle a wide range of unsecured debts and work directly with leading credit card companies and banks to negotiate reduced balances on your behalf.
Credit Cards
Collections
FAQs
Will This Affect My Credit Score?
That depends on your individual situation. If you’ve already missed payments or are behind on your accounts, your credit score may have already taken a hit. While resolving your debt through legal negotiation can bring long-term relief, there may be a short-term dip in your score. At Georgioulaw, PLLC, we focus on the legal side of debt resolution and do not offer formal credit repair services.
How Much Will Your Services Cost?
You won’t pay us unless we’re able to help. Our legal fees only apply after three things happen:
We secure a settlement offer from your creditor.
You review and approve the terms.
A payment is made toward that settlement.
Only then do we charge a fee — typically a percentage of the total enrolled debt. Until those steps are complete, there’s no charge for our work.
How Do I Know What Option is Best?
During your free consultation, one of our experienced attorney will walk you through your options, explain the pros and cons of each, and help you make an informed decision based on your financial goals and legal rights.
What Kind of Experience Do You Have?
I’m a New York-licensed Debt Resolution Attorney with years of experience helping individuals overcome serious financial challenges. My work focuses on credit card debt settlement, negotiating with creditors, and defending clients in debt-related lawsuits. I’ve helped many people reduce their debt burdens through personalized legal strategies that prioritize results, transparency, and long-term financial recovery.
My approach is grounded in a deep understanding of federal and New York State consumer credit laws, and a strong commitment to protecting my clients’ rights every step of the way.