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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Legal Remedies for Fraudulent Debt Collection 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. -
Civil Lawsuit Protections for Servicemembers If you're sued in civil court while on active military duty, the Servicemembers Civil Relief Act protects you against default judgements. I explain here. -
Servicemembers Civil Relief Act (SCRA) If you are an active duty member of the military, you have legal and financial protections you may not know about. Learn about your rights under SCRA here. -
Is Debt Collector Legitimate You may be contacted by someone pretending to be a debt collector, hoping to scare you into paying a debt you don’t owe. How can you protect yourself? -
Credit Reporting Errors After Bankruptcy You're supposed to get a fresh start after completing Bankruptcy, but these Top 6 Credit Reporting Errors could take it away from you... -
Reasons to Dispute a Debt Collection Notice If you are contacted by a debt collector, you should probably dispute the debt they claim you owe. It will force them to verify the debt and buy you some time. -
Credit Report Errors That May Cost You 1 in 5 Americans have an error on their credit report - Is yours costing you money? ... -
How to Handle a Call From a Debt Collector A call from a debt collector may make you nervous, but if you are prepared for the call, there is no reason to be worried about it. Read our tips here. -
Debt Collector Under California Law In California, debt collectors are barred from certain harassing behaviors, but do you know who is considered a debt collector under the law? Find out here. -
Consumers Protected By Rosenthal FDCPA No matter how much money you owe, a debt collector cannot harass you to get you to pay. Learn about the state and federal laws that protect you from this.