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 HelpTrained 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 continues to serve his country as an Colonel in the U.S. Marine Corps Reserve. 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.
llegal debt collection, wrongful credit reporting, and stripping military
members of their civil rights are all conscious choices by smart people who know better and who make the greedy choice 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.