A knock at the door, a stack of papers, and suddenly your heart is racing. Getting sued over credit card debt feels terrifying, and for many people it triggers panic rather than a plan. We sat down with attorney Efstathios Georgiou, who spent years on the bank side before defending consumers, to unpack what really happens when a creditor files suit and how to respond before a default judgment steamrolls your finances. We walk through the lawsuit timeline step by step: service of process, the...