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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Mortgage Forbearance and the CARES Act - Protect Yourself! The CARES Act mortgage forbearance options allow homeowners to seek relief and regain their financial health without sacrificing their home. -
Corona Virus and Your Credit Report - Protect Yourself Widespread debt repayment relief as a response to COVID-19 could damage your credit report by injecting errors into it... -
Always Follow Up With CRA After Credit Reporting Dispute Data from the Federal Trade Commission indicates that a majority of disputed credit report errors remain on credit reports years later. What should you do? -
Dispute California Credit Reporting Errors Errors on your credit report can have a ripple effect across your financial life. Consumer attorney Mike Cardoza provides tips for disputing these errors. -
Testifying as a Victim at an ID Theft Restitution Hearing If 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. -
Possible Legal Remedies in CA for Background Check Violation If 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. -
California Fair Chance Act Protects Job Applicants’ Privacy Under 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? -
Your Credit Report After a Bankruptcy Discharge After 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. -
Fair Credit Reporting Act Privacy Violations 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... -
Employer Misuse of Credit Reports and Background Checks 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.