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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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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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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Can a Debt Collector Record Your Phone Conversation? More Importantly, Can You Record Him?California’s privacy laws prohibit the recording of phone calls without the permission of both parties. Find out how this applies to aggressive debt collectors.
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How to Stop a Creditor From Coming After You for Fraudulent Debt—and Collect the Damages You DeserveCalifornia law entitles victims of identity theft to legal remedies when a creditor comes after them for a debt that is not theirs. Find out what they are here.
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Is That Call From a Debt Collector Real?You may be contacted by someone pretending to be a debt collector, hoping to scare you into paying a debt you don’t owe. How can you protect yourself?
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Do You Really Owe What They Say You Owe? Make Them Prove it!If you are contacted by a debt collector, you should probably dispute the debt they claim you owe. It will force them to verify the debt and buy you some time.
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What to Do When a Debt Collector CallsA call from a debt collector may make you nervous, but if you are prepared for the call, there is no reason to be worried about it. Read our tips here.
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Debt Collectors Cannot Harass You—But Who Is Considered a Debt Collector in California?In California, debt collectors are barred from certain harassing behaviors, but do you know who is considered a debt collector under the law? Find out here.
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Don’t Put Up With Debt Collection HarassmentNo matter how much money you owe, a debt collector cannot harass you to get you to pay. Learn about the state and federal laws that protect you from this.
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How to Know If a Debt Collection Agency Is Harassing You IllegallyWhat is legally considered "debt harassment"? We take a look at what collection agencies are prohibited from doing when contacting you about debt.