Imagine waking up one morning to discover that someone has stolen your identity. Maybe they opened a credit card in your name, racked up hundreds of dollars in charges (the amount doesn’t even matter!), or even drained your bank account (of ten bucks – again the amount doesn’t matter). It feels like a nightmare: you’re overwhelmed, angry, and unsure where to turn. Fortunately, you’re not alone. At The Cardoza Law Corporation, our Identity Fraud Lawyers specialize in fighting back. We’re here to help you reclaim your life, your credit, and your peace of mind—without costing you a dime unless we win.
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What Is Identity Fraud?
Identity fraud happens when someone uses your personal information—your name, Social Security number, bank account details, or credit card information, whatever—without your permission. They might:
- Open new credit cards or loans in your name
- Make purchases on your existing accounts
- Hack into your bank account and transfer money
No matter how it happens, the result is the same: you’re left dealing with bills, collection calls, and a damaged credit report for something you didn’t do.
The Many Faces of Identity Fraud
Our team handles all types of identity fraud, including:
- Credit Identity Theft: When someone uses your identity to open credit accounts or make purchases, leaving you with the debt.
- Credit Reporting Disputes: Errors on your credit report—sometimes due to theft, sometimes due to mistakes—can hurt your credit score and your ability to borrow.
- Bank Hacking: If a hacker breaks into your online banking and steals funds, your bank might refuse to fully refund you!.
Each scenario demands a different legal approach. Since this is pretty much all we do, we know exactly how to tackle each one and force those companies to make things right.
What the Law Says
It’s important to understand your rights. Federal laws protect you when identity fraud strikes:
- Fair Credit Reporting Act (FCRA): Requires credit bureaus (Experian, TransUnion, Equifax) to investigate and correct errors on your report. If they fail, they can be held liable.
- Fair Debt Collection Practices Act (FDCPA): Shields you from harassing collection calls on fraudulent debts. Debt collectors must verify any debt before pursuing you.
- Electronic Fund Transfer Act (EFTA): Limits your liability for unauthorized electronic transfers—like ATM withdrawals or online banking hacks—to $50 if you report the loss promptly.
- Fair Credit Billing Act (FCBA): Lets you dispute unauthorized credit card charges and withhold payment while they investigate.
These laws are on your side. Unfortunately, banks and credit bureaus often ignore them or drag their feet to save money. That’s where we come in.
You’re Not Responsible for Fraud You Didn’t Commit
The law is clear: you’re not on the hook for charges, loans, or withdrawals you didn’t authorize. If someone maxed out a credit card in your name, you DO NOT have to pay. If a hacker drained your checking account, your bank must investigate and reimburse you for unauthorized transfers. When companies refuse, they break federal law—and they can be sued.
How We Help
1. Free Evaluation
Call or chat or fill out our form for a free phone consultation. We’ll listen to your story, review your documentation, and explain your rights.
2. We Then Sue the Crap Out of Them
When banks or credit bureaus won’t do the right thing, we take them to court. We’ve successfully:
- Forced banks to refund stolen funds plus interest
- Made credit bureaus delete fraudulent accounts
- Won compensation for emotional distress, lost time, and ruined credit
3. No Fee Guarantee
We operate on a contingency basis—we don’t get paid unless you win money. That means you pay nothing out of pocket. If we don’t win compensation for you, you owe us nothing. If we win, our fees come out of the recovery.
4. Constant Communication
We handle the paperwork, investigations, and court filings. You get regular updates so you always know what’s happening.
Our Superhero Team
Led by Michael F. Cardoza, Esq., U.S. Marine veteran and consumer protection attorney, our firm has nearly 30 years of experience inside and outside big financial institutions. We know the tricks banks and bureaus use to stall you out and make you wish you were dead. Now, we use that knowledge against them, fighting relentlessly for your rights.
Real Stories, Real Victories
- Julienna T.* found her credit report loaded with fake debts. We forced TransUnion, Experian, and Equifax to remove all errors—and won her compensation for her trouble.
- Sarah S.* discovered odd fees and automatic charges from a finance company. We sued and got every penny back, plus damages for harassment.
- Andrea H.* faced a surprise judgment over a ten-year-old case. We got it vacated, cleared her record, and recovered her legal fees.
These people thought they were on their own. They were wrong.
And the asterisk (*) is because it’s not their real name, because they got a lot of money and so therefore the settlement agreement was confidential (!)
Why Banks and Bureaus Fail You
- They Manage Millions of Accounts: Individual problems don’t generate big profits.
- Computers Over Humans: Automated systems deny disputes after “talking” to other computers (WTF?).
- Cost vs. Benefit: Real investigations cost time and money—so they hope you give up.
Once a company says “no,” their goal is to wear you down. Don’t fall for it!
What You Need to Do
- Act Quickly: Time limits apply for disputes and claims.
- Gather Your Documents: Credit reports, bank statements, correspondence.
- Contact Us Immediately: The sooner we start, the sooner the fight is over.
Your Next Step
Stop losing sleep over stolen funds and bogus debts. Call us now or fill out our free evaluation form. We’re available 24/7 because identity fraud never sleeps—and neither do we. Let our Identity Fraud Lawyers be your legal superheroes. You deserve justice, and we’ll make sure you get it. And probably money too.
Don’t wait. Every day you delay could cost you more. We’re here to wipe out fraudulent debts, clear your credit, and restore your peace of mind—without any upfront fees. Reach out today and let’s get your financial life back to where it belongs.
