FINALLY some help. Mike Cardoza was extremely helpful and brought some clarity to my collections agency issue. I appreciate the help, especially since this is my first experience with anything like this. I was completely unaware of my rights and unaware of the tactics collections agencies use. Mr. Cardoza provided facts and resources to help me understand my situation. After I had attempted to contact other attorneys to no avail, Mike Cardoza was the first who offered what I needed.