Most news articles on consumer law are needlessly confusing. Attorney Mike Cardoza takes a straight, no-nonsense approach on the current issues facing consumers today. Our blog provides an insider’s view on consumer rights, and explores topics such as threats to privacy and unfair credit reporting. Be sure to check back for regular updates.
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Your Teen May Have Credit Report Problems With Serious ConsequencesChildren can be victims of identity theft just like adults, so checking for a credit report is important. Get valuable information to protect your teen here.
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Credit Identity Theft Can Derail Your Goals of Starting a Small BusinessIf you have dreams of starting your own business, you will want to make sure your credit has not been affected by identity theft or credit reporting errors.
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Getting False Information Off Your Credit Report Can Be a Major Chore—Here Are Tips to Make it EasierErrors on your credit report can have a ripple effect across your financial life. Consumer attorney Mike Cardoza provides tips for disputing these errors.
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Don’t Fall for This Dangerous Debt Collection TrickCalifornia debt buyers are desperate to collect any amount they can on the accounts they have purchased, even stooping to the lowest level to trick consumers.
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5 Consequences of Medical Identity TheftWhen someone steals your medical identity, the consequences can be serious—even fatal. Find out what can happen when your medical information is stolen.
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Debt Collectors Can Be Held Accountable for Overcharging You for a Mortgage ReinstatementWhen you want to try to keep your home by reinstating a mortgage in default, you should not be overcharged by a lender. Find out what your rights are here.
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Don’t Go to an ID Theft Restitution Hearing Without a LawyerIf you have been contacted about testifying at an ID theft restitution hearing, you should have a lawyer. In CA, reach out to consumer attorney Mike Cardoza.
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Penalties for Background Check Violations in CaliforniaIf an employer or background check provider violated your rights, you may be able to sue for monetary damages. Find out more about what you may be awarded here.
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Did an Employer Ask About Criminal Convictions Before Offering You a Job? If So, He Broke the LawUnder California’s “Ban the Box” act of 2018, employers cannot ask you about your criminal history until they are ready to offer you a job. What does this mean?
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Check Your Credit Report After Bankruptcy DischargeAfter filing for bankruptcy your credit reports should reflect a zero balance for any accounts you have discharged. You might have to take steps to ensure that.