I was being hounded by debt collectors for a very old and legally uncollectable debt.  When they came up as a collections account on my credit report.  I got mad and contacted Mike Cardoza.   Best call I ever made.  With virtually no further effort on my part, Cardoza filed a law suit and obtained a fair settlement.  The harassment stopped, my credit report was corrected and I got a check for my troubles.  Highly recommended.Joe A.