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When a debt buyer or creditor sues you over a credit card or personal loan, the complaint is only a set of allegations — not evidence. Discovery is the pre-trial phase where the plaintiff has to put up or shut up.

In this episode of Clear Your Debt, Claim Your Future, attorney Efstathios Georgiou of Georgiou Law walks through how discovery works in New York debt litigation under Article 31 of the CPLR, and why this phase often decides the outcome of a case. You'll learn:

• The document demands that target each element a plaintiff must prove — the signed agreement, the full account statements, and the complete chain of title
• How interrogatories lock the other side into sworn answers that can later contradict their documents
• Why debt buyers struggle to authenticate records they didn't create, and how that opens the door to hearsay objections
• What depositions can reveal about a witness's actual knowledge of your account
• Your options when a plaintiff can't produce what you've asked for — motions to compel, preclude, for sanctions, or for summary judgment
• How discovery doubles as a settlement tool by shifting the plaintiff's cost-benefit analysis when its evidence is thin

Discovery requires command of the CPLR, the rules of evidence, and the specific dynamics of debt litigation. A consumer who tries to navigate it alone is at a real disadvantage against experienced collection counsel — which is exactly why having a lawyer matters.

If you've been sued over a credit card or personal loan debt in New York City and want to understand how to make the creditor prove its case, call Georgiou Law at (917) 764-3072 for a consultation. We defend consumer debt lawsuits in New York City using every tool the law provides — including discovery.

Clear Your Debt, Claim Your Future is presented by Georgiou Law, a New York City law firm focused on consumer debt defense.

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