Georgiou Law, PLLC is a New York–based consumer law firm founded by former bank attorney Efstathios Georgiou. The firm is dedicated to defending individuals against credit card lawsuits, and abusive debt collection practices. With a strong focus on fairness, transparency, and access to justice, Georgiou Law provides flat-fee legal services and custom debt relief strategies tailored to each client’s needs. Known for its slogan “Clear Your Debt, Claim Your Future” the firm combines legal expertise with compassion to help New Yorkers reclaim their financial future.
Joint Accounts, Authorized Users, and Co-Signers: Who Is Actually on the Hook?
Send us Fan Mail Title: Joint Accounts, Authorized Users, and Cosigners: Who's Actually on the Hook? Show Notes: Divorced but still getting collection calls about your ex's credit card? Added as an authorized user and now a debt collector says you owe the balance? A debt collector is calling your adult kids about your old accounts? In this episode, Efstathios Georgiou breaks down the legal distinctions that determine who is actually liable for credit card and personal loan debt — and where co...
26 Jul 2026
Zombie Debt: When Collectors Try to Collect on Claims That Should Be Dead
Send us Fan Mail Old debt doesn't always stay buried. In this episode of Clear Your Debt, Claim Your Future, attorney Efstathios Georgiou of Georgiou Law explains "zombie debt" — old credit card and personal loan accounts that resurface in collection activity long after New York's statute of limitations has run. You'll learn what makes a debt time-barred, why debt buyers keep chasing accounts they can no longer legally win on, and the specific tactics collectors use to try to restart the cloc...
18 Jul 2026
Automated and AI-Powered Debt Collection: Your Rights in an Age of Algorithms
Send us Fan Mail Debt collection has always been a volume business — but automation and AI have supercharged it. Predictive dialers can place thousands of calls an hour, bulk text and email campaigns run without a human ever touching send, and in 2025–2026 some collectors are piloting AI-generated voices designed to sound like a live representative. In this episode of Clear Your Debt, Claim Your Future, attorney Efstathios Georgiou breaks down what the law actually says about automated collec...
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