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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Mistaken Identity: When Criminal Background Checks Are WrongCriminal background checks can contain errors that hurt innocent people. At Cardoza Law, we can help you set the record straight
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Bills Disappear from Your Mailbox? It May Be Identity TheftIf your bills have been disappearing from your mailbox, it could mean that someone has stolen your identity. Learn about your legal options now.
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CARES Act Mortgage ForbearanceThe CARES Act mortgage forbearance options allow homeowners to seek relief and regain their financial health without sacrificing their home.
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Corona Virus and Your Credit Report - How to Protect YourselfWidespread debt repayment relief as a response to COVID-19 could damage your credit report by injecting errors into it...
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Consumers Must Be Vigilant to Correct Inaccurate Credit ReportsData from the Federal Trade Commission indicates that a majority of disputed credit report errors remain on credit reports years later. What should you do?
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Getting False Information Off Your Credit Report Can Be a Major Chore—Here Are Tips to Make it EasierErrors on your credit report can have a ripple effect across your financial life. Consumer attorney Mike Cardoza provides tips for disputing these errors.
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Don’t Go to an ID Theft Restitution Hearing Without a LawyerIf 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.
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Penalties for Background Check Violations in CaliforniaIf 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.
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Did an Employer Ask About Criminal Convictions Before Offering You a Job? If So, He Broke the LawUnder 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?
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Check Your Credit Report After Bankruptcy DischargeAfter 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.