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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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. -
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? ...