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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Active Duty Servicemembers Are Common Targets for 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. -
Protecting College Students From Identity Theft 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. -
Using Facebook Could Put You at Risk for Identity Theft 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. -
When Your Financial Privacy Has Been Violated 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... -
Take Legal Action If an Employer and CRA Broke These FCRA Rules 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. -
Are You a Servicemember With High-Interest Credit Card Debt? Relief Is Here! If you opened high-interest credit card accounts before joining the military, you may be eligible for hundreds of dollars in reimbursements. Learn more here. -
Landlords Cannot Charge Fees When You Are Deployed and Terminate a Lease A recent landlord-tenant case is a reminder to all servicemembers that they have a right to terminate housing leases with no penalty when they are deployed. -
The Real Cost of Credit Reporting Errors Even the smallest inconsistencies on a credit report can be costly for a consumer. Find out how mistakes can affect your credit rating and cost you money. -
My car was repossessed while I was in boot camp. Was that legal? Was your car repossessed while you were on active duty? You may be able to sue the collection agency under the Servicemembers Civil Relief Act. Learn more here. -
How to Stop a Creditor From Coming After You for Fraudulent Debt—and Collect the Damages You Deserve California law entitles victims of identity theft to legal remedies when a creditor comes after them for a debt that is not theirs. Find out what they are here.