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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Don’t Fall for This Dangerous Debt Collection TrickCalifornia debt buyers are desperate to collect any amount they can on the accounts they have purchased, even stooping to the lowest level to trick consumers.
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5 Consequences of Medical Identity TheftWhen someone steals your medical identity, the consequences can be serious—even fatal. Find out what can happen when your medical information is stolen.
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Debt Collectors Can Be Held Accountable for Overcharging You for a Mortgage ReinstatementWhen you want to try to keep your home by reinstating a mortgage in default, you should not be overcharged by a lender. Find out what your rights are here.
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Don’t Go to an ID Theft Restitution Hearing Without a LawyerIf you have been contacted about testifying at an ID theft restitution hearing, you should have a lawyer. In CA, reach out to consumer attorney Mike Cardoza.
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Penalties for Background Check Violations in CaliforniaIf an employer or background check provider violated your rights, you may be able to sue for monetary damages. Find out more about what you may be awarded here.
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Did an Employer Ask About Criminal Convictions Before Offering You a Job? If So, He Broke the LawUnder California’s “Ban the Box” act of 2018, employers cannot ask you about your criminal history until they are ready to offer you a job. What does this mean?
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Check Your Credit Report After Bankruptcy DischargeAfter 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.
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Check Your Credit Report for Medical Debt That Should Not Be ThereCalifornia 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.
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Can a Debt Collector Record Your Phone Conversation? More Importantly, Can You Record Him?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.
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Yes, You Still Have to Shred Sensitive Documents!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.