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In this episode of Clear Your Debt, Claim Your Future, attorney Efstathios Georgiou explains why ignoring a summons and complaint is one of the most expensive mistakes a consumer can make when facing debt collection. He clarifies that a summons is not a collection letter—it is the formal start of a lawsuit—and in New York, consumers typically have only 20 to 30 days to respond.
He explains that failing to answer allows creditors to obtain a default judgment without proving their case, which can lead to frozen bank accounts, wage garnishments, and long-lasting property liens. Many people ignore summonses out of fear or because they feel overwhelmed, but creditors rely on that inaction.
The episode stresses that filing a simple answer preserves your rights, forces the creditor to prove their claim, and often creates leverage to negotiate a better settlement. Efstathios Georgiou reminds listeners that responding early is far easier than trying to undo a judgment later, and invites anyone who has been served with legal papers to call for a free consultation at (917) 764-3072.
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By Efstathios GeorgiouSend us a text
In this episode of Clear Your Debt, Claim Your Future, attorney Efstathios Georgiou explains why ignoring a summons and complaint is one of the most expensive mistakes a consumer can make when facing debt collection. He clarifies that a summons is not a collection letter—it is the formal start of a lawsuit—and in New York, consumers typically have only 20 to 30 days to respond.
He explains that failing to answer allows creditors to obtain a default judgment without proving their case, which can lead to frozen bank accounts, wage garnishments, and long-lasting property liens. Many people ignore summonses out of fear or because they feel overwhelmed, but creditors rely on that inaction.
The episode stresses that filing a simple answer preserves your rights, forces the creditor to prove their claim, and often creates leverage to negotiate a better settlement. Efstathios Georgiou reminds listeners that responding early is far easier than trying to undo a judgment later, and invites anyone who has been served with legal papers to call for a free consultation at (917) 764-3072.