I was being harassed by a collection agency that was billing me inaccurately by thousands of dollars. I reached out to many Lawyers, but they all advised me to file for bankruptcy as a method to fight my case. Good friend of mine recommended him. Mr. Cardoza took the time to listen to my case. His wealth of knowledge and experience led not only to the settlement of my case, but he was also able to identify that the collection agency had indeed violated the law with their method of practice.

S. T., Alameda, California