Most news articles on consumer law are needlessly confusing. Attorney Mike Cardoza takes a straight, no-nonsense approach on the current issues facing consumers today. Our blog provides an insider’s view on consumer rights, and explores topics such as threats to privacy and unfair credit reporting. Be sure to check back for regular updates.
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Your Credit Report After a Bankruptcy Discharge After filing for bankruptcy your credit reports should reflect a zero balance for any accounts you have discharged. You might have to take steps to ensure that. -
Rules Regarding Medical Debt on Your Credit Report California attorney explains when medical debt can appear on your credit report and when it should not be there. Protect your credit by understanding the law. -
Recording Calls From Debt Collectors in California California’s privacy laws prohibit the recording of phone calls without the permission of both parties. Find out how this applies to aggressive debt collectors. -
Paper Theft Still a Major Source of Stolen Identities You might think identity theft has gone digital so there is no need to shred documents, but you’d be wrong. Find out why you should still own a shredder. -
Extra Steps to Take After Reporting Identity Theft You might have done the most obvious things after discovering your financial information was stolen, but have you taken these important steps? -
Military Servicemembers High Risk of Credit Identity Theft Deployed members of the military have reported credit identity theft twice as often as non-servicemembers. Learn how to protect yourself and how to win damages. -
Identity Thieves Target California College Students College students are at high risk of having their identities stolen. Our California consumer attorney explains why and what you can do to protect yourself. -
Protect Your Social Media Accounts From Identity Thieves Use of social media could open you up to identity theft. Learn how to protect yourself from identity thieves who may be trolling your social media activity. -
Fair Credit Reporting Act Privacy Violations Under the Fair Credit Reporting Act, only certain parties can request your credit report and they must have a valid reason. This rule is often violated... -
Employer Misuse of Credit Reports and Background Checks Employers can access your credit report for background checks but must follow certain guidelines. If they don’t, they and the CRA can be sued for damages.