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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Threatened With a Lawsuit While on Active Duty? I Can Help! 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. -
Active Duty Servicemembers: Know Your SCRA Rights to Protect Yourself and Your Family 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 That Call From a Debt Collector Real? 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? -
These Common Post-Bankruptcy Credit Reporting Errors Could be Robbing You of a Fresh Start! You're supposed to get a fresh start after completing Bankruptcy, but these Top 6 Credit Reporting Errors could take it away from you... -
Do You Really Owe What They Say You Owe? Make Them Prove it! 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. -
12 Common Credit Report Errors That May Cost You Real Money 1 in 5 Americans have an error on their credit report - Is yours costing you money? ... -
What to Do When a Debt Collector Calls 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 Collectors Cannot Harass You—But Who Is Considered a Debt Collector in California? 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. -
Don’t Put Up With Debt Collection Harassment 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. -
How to Know If a Debt Collection Agency Is Harassing You Illegally What is legally considered "debt harassment"? We take a look at what collection agencies are prohibited from doing when contacting you about debt.