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Cardoza Law Corporation

Fast Answers to Your Most Pressing Debt Collection and Credit Reporting Questions

Can a collection company call multiple times per day? Can a creditor really increase your interest rate if you cannot pay your bills? If you have a question about debt collection, credit reporting, or any other issues related to consumer law, our FAQ section might provide the answer you need right now. If it doesn't, contact us using the contact form or the toll-free number and we'll answer it for you within 24 hours!

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  • What is "Arbitration" and What Does it Mean For Me?

    Arbitration is where you don't get to go to court and have your case decided by a judge. Instead, you pay a fee to an arbitration company and they hire arbitrators (some of whom are retired judges) to decide your case instead. Here's the catch, the contract you have to sign in order to get phone services, a credit card, etc. usually specifies a particular company, AND, the business pays the larger portion of the arbitration fee (but you still have to pay some). So guess who the arbitrator is more likely to find in favor of?

    Be sure to look for arbitration clauses in all of the contracts you sign (or click) and find out how to opt-out.