The Cardoza Law Corporation

About The Cardoza Law Corporation

Consumer Law Firm in San Francisco, CA

Attorney Mike Cardoza has a unique perspective on consumer debt collection. He is not only an experienced trial litigator, he is a former debt buying corporation owner and senior executive at a debt collection law firm.

I am a former senior executive of a debt-buying company, a debt collection agency, and a major regional high-volume debt collection law firm and I know how to help make the laws work for you. I examine letters, statements, and other communications to help you find debt relief from:

• Collection Agencies. Most creditors employ third-party collection agencies to go after the consumers who they think owe them money. These debt collectors often use illegal tactics in an attempt to get people to pay. A lot of the time, they aren’t even aware that they are breaking the laws! I sue debt collectors and debt buyers for their violations, which gives you the upper hand— big time—when it comes to credit repair.
• Credit Reporting Agencies. Equifax, Experian, TransUnion, and the companies that furnish credit information to them are required to accurately maintain your credit report so that it does not negatively impact your financial future. Inaccurate negative credit information can lower your credit score and affect your ability to buy a house, get a car loan, or be approved for other credit cards or lines of credit. I sue credit reporting agencies and the furnishers and resellers of credit information to enforce your rights.
• Credit Identity Theft Lawsuits. You’ve heard about data breaches and stolen identities—but what does it all mean? How do you know when you are a victim, and what can you do about it? I’ll tell you what to look for and how I can help you clean up your credit and maybe even get monetary damages for your trouble!