Michael F. Cardoza, Esq.

Michael F. Cardoza, Esq.

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  • Cardoza Law Corporation
  • 548 Market Street, #80594 San Francisco, CA 94104

Michael F. "Mike" Cardoza is a California Consumer Financial Protection Attorney who helps people regain control of their financial lives by getting the upper hand on creditors, debt collectors and credit reporting agencies. He is a former senior executive of a debt-buying company, a debt collection agency, and a major regional high-volume debt collection law firm. He now brings his experience and skill to help consumers exclusively. He is the author of "The Secret World of Debt Collection: Beat Collectors at Their Own Game" and is a regularly featured speaker and commentator on consumers' rights and credit reporting.

Consumer Financial Protection Attorney Mike Cardoza Is Here To Help

Trained as a trial attorney in the U.S. Marine Corps, Mike Cardoza has tried countless cases in federal and state courtrooms. He is a graduate of UCLA with a degree in Business Economics and also of the Georgetown University Law Center in Washington, D.C. Mike is a veteran of the war in Iraq and after additional assignments overseas and in the courtroom, retired from the U.S. Marine Corps Reserves as a Colonel. Mike founded The Cardoza Law Corporation in order to share the truth about consumer credit and finance with clients and to be their “partner in prosperity.”


I’ve decided to write about my military experience because it, along with being a father, a husband, and an attorney, has shaped my worldview.


In the military, we live by a code where people do right by each other. Nobody’s perfect, but one of the biggest sins is to do something wrong to your fellow Marine, Sailor, Soldier or Airman, or your failure to take care of him or her. Whether you particularly like them or not.

It’s therefore a virtue to do right by people and, by extension, by your unit, your chain of command, and your service. If you make a mistake you own up to it.



The kinds of cases I’m taking here are NOT mistakes.



Illegal debt collection, wrongful credit reporting, ignoring victims of Identity Theft, and stripping military members of their civil rights are all conscious choices by smart people who know better and who make the greedy decision not to leave enough money in their companies at the end of the year to pay for doing things the right way. 






There’s hardly anyone out there to stop them - which is exactly why they keep doing it. And they keep doing it until someone - like you - holds them accountable. Courage isn’t the absence of fear, courage is taking action in spite of fear.






When we do things together, our power multiplies and the burden lifts for everyone. When our “why” is for the good of our family and for our community, we are unstoppable.


To everyone who has the guts to stand up and say “I’m not going to take it anymore!” - I salute you.

Testimonials for The Cardoza Law Corporation

Chris Ian G. Mike was kind, compassionate, knowledgeable and took an interest in learning the facts of my case before he made an assessment. He was willing to take the time to listen with an open mind. It was clear he enjoys helping people and he was very thoughtful when recommending the best approach for me. As you search for people to help you with your case, I would urge you to call Mike now! He also has a fantastic support team and great tools to help ease the struggle when you need to be heard.
Written by: Chris Ian G.
The Cardoza Law Corporation
Date published: 10/01/2018
5 / 5 stars
Overall rating: ★★★★★