If you're here, you're probably going through something you never imagined could happen, like:
-
-
- Accounts appearing on your credit report that aren't yours
- Unauthorized access to your bank account and the bank not helping
- Loans opened in your name without your knowledge
- Fraudulent charges on your credit card that your bank ignores
- Collection calls for apartments you've never even lived in
-
At first, you were shocked and confused - then frustration and amazement set in when your bank and credit bureaus refused to help. Now, you're overwhelmed, pissed-off, and wrung-out, and likely skeptical after scrolling through countless websites looking for reliable legal help.
Take a breath—I promise, you’re in the right place.
I'm Mike Cardoza, and I'm not your typical attorney. Before becoming a consumer advocate, I spent years working inside companies like these so I know exactly how they operate because I've seen their methods from the inside. I've been practicing law for almost 30 years and, prior to that, had a lengthy career in the Marine Corps. Today, I leverage all that experience exclusively for consumers EXACTLY like you. Because this is all we do.
Identity theft and financial fraud are serious violations. The laws so very clearly state that banks, credit unions, and credit bureaus must correct errors and protect YOU—but they often fail to do so.
That’s exactly why I’m here.
Why do banks and credit bureaus fail to protect you (Truth Alert!)?
-
-
- They're managing millions of accounts and don’t care about you.
- Computers talk to computers, making automated decisions about your financial life.
- When you talk to a real person, they're just repeating what the computers tell them to say.
- Real, human-led investigations cost money, time, and resources—and these companies often choose efficiency and profits over genuinely solving your problem. Ouch!
-
If you've already filed complaints, filled out forms, or spent hours on the phone with banks and bureaus, you can stop banging your head against the wall. Once these companies decide "no," that's final. From that point forward, their conversations with you are designed only to wear you down, in the hope that you'll get frustrated and just drop the issue.
We take action against banks and credit bureaus, forcing them to correct their mistakes, clear your credit, and compensate you for the insane ordeal.
Here’s the best news: if we work together, you won’t pay anything out of pocket – even if you win money.
End the constant anxiety about fraudulent debts, sleepless nights over your stolen money, and endless frustration with unhelpful banks and credit agencies. Remember the clarity, peace, and security your felt before this all happened and let’s get that back!
If you think I’m talking to you and your problem, here’s exactly what to do next:
-
-
- Call right now (we’re open 24 hours).
- Or, fill out the contact form on this page right now.
- I’ll let you know whether we can likely help and I’ll set up a call with you if so.
-
Stop waiting and start fixing. You deserve justice—and I'm here to make sure you get it.
