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Jeremy Scott Golden

Credit repair Attorney at Chula Vista, CA

5.0   22 reviews
  • Licensed for 20 years
    State CA
    Acquired 2003
    Active No misconduct found

We have not found any instances of professional misconduct for this lawyer.

About Jeremy

Learn Jeremy’s areas of practice.

Practice areas
  1. Credit repair
    I represent individuals in cases under the Fair Credit Reporting Act (FCRA).

    18 years

  2. Debt settlement
    I represent individauls who have been sued by debt buyers and creditors.

    18 years, 100 cases

  3. Foreclosure
    I represent individuals who have been victims of wrongful foreclosure and loan modification scams.

    16 years

  4. Debt and lending agreements
    I represent individuals in actions against debt collectors and creditors for violation of the FDCPA and Rosenthal Act.

    18 years, 100 cases

I am blessed with a job that I love and am committed to giving my clients the best legal representation possible.

Our firm handles consumer rights litigation. We represent individuals who have been harassed or sued by debt collectors. A significant portion of our practice is also dedicated to foreclosure defense and fighting against loan modification abuse by banks and servicers.  We can also represent you when faced with repossession, identity theft, or if you happen to find false information on your credit report.

I am always accessible by phone or email and keep in constant contact with all my clients. You can never call or email me too frequently. We will respond to all your questions immediately.

I never compromise my ethics or honesty. I will fight for you all the way through trial if necessary. I have numerous trial victories including a seven-figure jury trial. In four years I have either won or gotten dismissed over 200 collection cases. I take cases all over the state of California. 




Photos and videos


Golden & Cardona-Loya, LLP
3130 Bonita Road, Suite 200B
Chula Vista, CA, 91910


5.0 / 5.0
  22 customer reviews
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Posted by Earthwalkharmony | February 9, 2018
This review is from a person who hired this attorney.
| Hired Attorney
Stellar. I have Deep Gratitude for this Bright Being.
Outstanding. I'm so happy and grateful for being connected with Attorney Jeremy Golden and his team. He provided excellent defense for me which resulted in the best possible outcome. Attorney Jeremy Golden, nominee for one of San Diego's Top Attorneys of Consumer Defense exhibited excellent knowledge of his field and was a pleasure to do business with. My case jurisdiction was in San Bernardino, California and we were able to conduct most business via distance communications. If you require legal assistance regarding alleged student loan debt or other consumer related issue, I highly recommend you contact Jeremy S. Golden and his team at He and his team specialize in many legal areas so visit the site to see if they may be able to help you. I consulted with eight different firms before I chose Attorney Jeremy Golden and I am grateful every day for my decision to do so.
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Posted by Christine Bean | January 5, 2017
This review is from a person who hired this attorney.
| Hired Attorney
Great communication and results
My husband and I hired Jeremy to help resolve a thorn in his side for fraudulent loans taken out in his name a decade ago after trying to work with lender on our own to no avail. Jeremy was easy to work with, level headed, straight to the point and kept lines of communication open. We are happy with the results of the case and received a favorable settlement and all debt liability erased as a result. I am happy to see this horrid situation no longer haunt my husband. Needless to say, we are working with him again on another case and trust we are in good hands. Thanks Jeremy!
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Posted by John | October 3, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Identity Theft
We live in Texas and someone in California stole my wife’s identity, rented a house and utilities in her name, we learned about the problem in May 2016. I went to to find an attorney and selected Jeremy Scott Golden, it was the best decision we made, on 25 Aug 2016 the problem was solved. The Attorneys and staff are excellent. What we received there was professional, informative and courteous service. Thank you very much for your help.
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Posted by Tony | September 30, 2016
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
prompt response - professional advice
Jeremy contacted me almost immediately about my issue. He gave very professional advice during our consultation which allowed me to "sleep better". While we decided not to further pursue my case (i.e. nothing needed to do), I would definitely recommend anyone to contact him to get a consultation. It will help a lot!
Posted by anonymous | August 22, 2016
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
Very nice and professional!
Jeremy was incredible when talking with me. When I lost all hope that I was going to find an attorney to assist me in my issues with the bank, he brought an amazing amount of promise to me. Although I never retained him, I will definitely keep his contact information handy, and will refer him to anyone who needs assistance in one of his practice areas. Highly recommended, very nice, and very professional.
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Posted by Jennifer Evans | August 20, 2014
One of a kind - excellent attorney
Jeremy represented me over a year ago in a case that went to arbitration and ever since then he has helped me countless times by providing me with helpful directions and insights whenever I am in a bind and even with situations unrelated to the case he represented me for. His help is reliable and trust worthy and even if he doesn't know an answer to my question, he puts me in contact with someone who does. He takes time to really listen and I get a true sense that he really cares about helping people over his own financial gain. I have worked with and contacted a number of different lawyers and he is by far the most superior in terms of professionalism, expertise, reliability and responsiveness... And he's down to earth, calm and quite simply... A comforting person to talk to in times of distress. That's such an unexpected and refreshing quality to see in an attorney. Aside from those great qualities, he also works fast and gets quick results. Once hired, filing occurred quickly and it all happened without ever meeting him in person until the actual date of arbitration. I would highly recommend Jeremy to anyone. I too, have consulted with him regarding overwhelming school loan debt including collections and I would without a doubt, feel confident in his representation. I've read these other reviews and they are all spot on. Jeremy is one of a kind.
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Posted by anonymous | August 19, 2013
The answer to your legal problem!
I had only 10 days to find help after being served. I was being sued by a debt collector for a debt and they wanted a ridiculous $15,000! Time was of the essence and I felt cornered to almost hire another lawyer who I talked to 3 times, but something just didn't feel right and I literally prayed for a solution. The next morning, I came across Jeremy Golden's number and figured I'd give it one last try. I can only explain this phone call like 'heaven-sent' it felt so right. Right away Mr. Golden was so calm and if there was such a thing as an aura coming through the phone, it happened at that moment. All of my worries were gone 100% by the end of our conversation. Mr. Golden took care of everything while I was overseas for work and all I did was return signed documents via email. The biggest relief came when in a matter of just a few months the case was dismissed and I didn't have to pay cent more! I am a young adult, I don't have the highest paying job and still owe student loans and I can tell you that Jeremy S. Golden's fees are fair and you will definitely receive more than what you pay for. I have since recommended Mr. Golden to everyone I hear going through difficult times like I did. If you are in a bind, do not think twice to call and speak to Jeremy S. Golden. He is professional and easy to talk to, he will give you the peace of mind you seek.
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Posted by anonymous | March 26, 2012
Attorney Jeremy is highly knowledgeable, he promptly returns all calls and e-mails. He obtained an excellent result for me
Jeremy Golden is, if not the best lawyer, one of the absolute best consumer attorneys I have ever dealt with, he is extremely competent, courteous and professional at all times. He took the time to listen to and address all of my concerns in a timely and cost-effective manner. He kept me updated every step of the way; most importantly he obtained an excellent result for me, better than I ever imagined. I would highly recommend Jeremy; I have already recommended him to friends.
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Posted by Raymond | July 15, 2010
Great job by Atty. Jeremy Scott Golden...Without a doubt I highly recommend !!!
If i were in a foxhole left alone fighting i would want Atty Jeremy Golden at my back. He gets things done and would never leave you. Their firm has handled three (3) cases for me and all of them got dismissed. A perfect score. Atty. Golden was professional, corteous and very knowledgeable of what he does. I spoke to him on the phone and he listened to everything what i said regarding my case. No interrruption. He then asked questions and for me to fax the documents related to the case. Every step of the way i get updated on the status of my case. I always received copies of documents sent out to the other party as well. He gives you the breakdown of the case and options you have and lets you make the decision. When the settlement came the other party at first did not want to erase a complaint on my credit report saying its not their job. Jeremy told me that he will get back to me shortly and after a week or two he gave me the good news. The other law firm gave in to our demand. Before that the law firm was threatening to go to court and i was getting ready for it. We prepared documents and evidences. I later got a call from Jeremy that they retreated and willing to settle. I am very satisfied from the service i received from Atty. Golden and would highly recommend him without any hesitation.
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Posted by Dee | December 31, 2009
Very professional with a Genuine concern for the client
Jeremy would call and keep us informed each step of the way. My husband and I were thoroughly satisfied with his service. We had an excellent outcome with our case. We won't hesitate to recommend Jeremy Golden to friends (and we have). We will call upon his services again should we have the need.
Posted by Travis | December 15, 2009
Saved by a lawyer I never even met(in person)
I received a call from Mr. Jeremy Golden's office after searching for lawyers online for a case pending against me for a credit collection a few years ago. From the start, they were very nice and knowledgeable, and aggreed to take my case at very little charge. Eventually the plantiff dropped the case, we countersued, and I didnt have to pay a dime. In fact, I received a decent sum of money in return from the countersuit. If your being sued by a credit collection agency I highly recommend Mr. Golden's services. You will not regret it!
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Posted by Jim | December 14, 2009
Jeremy always has time for YOU! He takes your call, he answers your emails and provides useful and understandable answers!
Jeremy handled two cases for me; both with a very favorable outcome at more than a reasonable fee. If I am ever in need of representation for his particular field of law, I would not hesitate to call him again. I know I would because I asked him to handle my second case! He is a "top-shelf" attorney and just one heck of a nice guy; he always took my call and never made me feel like he was in rush to end the conversation. I really admire this man and the fine job he did when I really needed help. You will not find someone else like Jeremy - great litigator and a pleasure to work with. 5 STARS
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Posted by Nancy | December 13, 2009
Most excellent lawyer
Mr. Golden was really terrific and keeping me informed, educated and out of court.
Posted by Kimberly | December 12, 2009
Yes, I would highly recommend Jeremy Scott Golden to handle your potential case. He was professional and very effective during mine. c. It was pertaining to a credit card company harassing me for someone else's debt and the debt wasn't in my name.
Posted by Dana | December 11, 2009
very impressive and very caring
we were having a great deal of difficulty with creditors. Jeremy helped us out tremendously. He cared about our well being as a family. It was the best phone call I ever made.
Posted by anonymous | December 11, 2009
Knowledgeable and Efficient
I was extremely pleased with the outcome of my case. Mr. Golden was not only very knowledgeable and responsive, he was quite pleasant to work with over the phone. I am very grateful for all his assistance.
Posted by Wei | December 11, 2009
A Lawyer Worth Knowing
After much due diligence, I am came across Mr. Golden. From the moment I contacted his firm I was treated like I was the only client. Mr. Golden was very responsive and exceeded even my own loftfy expectation. He was very professional and cut right to the point and did exactly what he told me he would. He worked tirelessly to settle our case in a VERY timely manner. What I thought would take months ended up taking weeks. I count my lucky stars to have found a lawyer worth his weight in gold!!
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Posted by Zelma | December 11, 2009
Problem with Visa bank card
Jeremy Golden's office was excellent in helping me get the settlement with the bank and reduced the amount I had to pay considerably. I would recommend his firm to anyone.
Posted by Jessica | December 11, 2009
Great results
I got great results from Jeremy. He helped in in a case against a debt collector who had made my life miserable and I got better results than I could have expected.
Posted by Mary | December 11, 2009
Professional and quick!
I was being harassed by a rude attorney for a charge I had never known about - and I knew wasn't mine - a garnishment was the first I'd heard about it. Mr. Golden resolved the issue in a matter of days and I had my money back in a matter of weeks.
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  • Free Consultation 30 minutes
Payment methods
Cash, Check, Credit Card


AVVO RATING 9.4 (Superb)

Work Experience

  • Partner
  • Golden & Cardona-Loya, LLP
  • 2009 - Present
  • Legal Advisor
  • Sun Microsystems, Inc.
  • 2002 - 2003


  • Santa Clara University School of Law
  • JD - Juris Doctor
  • 2003
  • University of Wisconsin, Madison
  • BA - Bachelor of Arts
  • 2000

Sample of Legal Cases

  • Atlantic Credit & Finance, Inc. v. Douglas A.
  • Defeated debt collector at trial
  • Christopher C. v. 1st Credit of America
  • Won lawsuit against debt collector at trial
  • Felipe A. v. The City of San Diego
  • Jury awarded my client $1,325,000.
View all legal cases


  • National Association of Consumer Advocates
  • Member
  • 2010 - Present
  • San Diego County Bar Association
  • Member
  • 2004 - Present
  • State Bar of California
  • Member
  • 2003 - Present

Languages Spoken

  • English
  • Spanish

Honors and Awards

  • Preeminent 5.0 out of 5
  • Martindale-Hubbell
  • 2012
  • Top Attorney
  • San Diego Metro Magazine
  • 2011
  • Dean's List
  • Santa Clara University School of Law
  • 2003
  • Honors Moot Court Board
  • Santa Clara University School of Law
  • 2002
  • Witkin Award for Academic Excellence
  • Witkin Legal Institute
  • 2001
View all awards


Speaking Engagements

  • Defending Collection Lawsuits
  • Debt Collection Defense
  • 2010
  • Defending Foreclosures
  • Defending Foreclosures
  • 2008
  • Defending Collection Cases and Converting them into FDCPA Actions
  • Collection cases and FDCPA violations
  • 2008
  • Solving Identity Theft and Credit Reporting Problems
  • Identity Theft and Credit Reporting
  • 2007
View all speaking engagements

Attorney endorsements

Received (10)
Given (7)
Endorse Jeremy
Unknown Attorney | Jun 17
Relationship: Co-worker
"I endorse this lawyer."
Personal injury Attorney | Jun 02
Relationship: Fellow lawyer in community
"I endorse Jeremy. He is a highly skilled attorney that is well respected in the legal community."
Foreclosure Attorney | Sep 17
Relationship: Fellow lawyer in community
"Jeremy continues to fight for California consumers when it comes to wrongful foreclosure. He is ethical and will fight for you. Please call him to arrange a meeting. He comes with my highest recommendation."
Litigation Attorney | Jan 07
Relationship: Worked together on matter
"I have referred several of my bankruptcy clients to Mr. Golden for help suing their creditors. When creditors harass my clients, I turn to Mr. Golden for help. He is very knowledgeable in the area of Consumer Rights, the Fair Debt Collection Practices Act and Personal Injury too. He has won numerous lawsuits for my clients and obtained thousands of dollars for them from their creditors."
Debt settlement Attorney | Feb 21
Relationship: Worked together on matter
"I worked with Jeremy Golden on numerous cases and trials including a case resulting in a jury verdict of $1,200,000 for a San Diego Police officer who was discriminated against based upon his Hispanic nationality. I found Jeremy to be intelligent, resourceful and highly ethical. I have previously referred clients to him will continue to do so in the future. His expertise is counseling and advising and defending individuals against debt collectors and issues involving identity theft and credit scores."
Debt collection Attorney | Jan 19
Relationship: Fellow lawyer in community
"I have known Jeremy for over two years. When I have questions about Fair Debt Collection, he has always been quick to help. In the summer of 2008, I attended a debt collection defense seminar presented by Jeremy. I was very impressed with his expertise in this area of law and his smooth style and approach to the practice of law."
Debt collection Attorney | Jan 05
Relationship: Worked together on matter
"I wholeheartedly endorse Attorney Jeremy Golden. Jeremy possesses an unusually large knowledge base of law that protects the consumer. He is an aggressive, pro active attorney that really fights for his clients. He also has always been available for a question or consult, and has helped me several times in the creation of a consumer litigation strategy. I would recommend Jeremy to any consumer who wants a attorney who will really fight for their rights!"
Identity theft Attorney | Dec 15
Relationship: Friend
"Jeremey Golden is a very bright, skilled, and on track to becoming a leading consumer rights attorney. He has an impressive track record of accomplishing significantly positive results for his clients, the "little guy" and continues to distinguish himself from his colleagues. On a personal level, Jeremy is a very kind and compassionate person and we are very fortunate to have him lending a hand to those in our community that go either unrepresented or under represented and who are victims of corporate abuse and misconduct."
Debt settlement Attorney | Dec 11
Relationship: Fellow lawyer in community
"Jeremy took a challenging case for a joint client and got her some substantial relief."
Debt collection Attorney | Dec 11
Relationship: Fellow lawyer in community
"I endorse this lawyer's work. Jeremy is well respected in the legal community, extremely knowledgeable and a zealous advocate for his clients. Jeremy is an expert in foreclosure and debt collection defense."
View more endorsements
Debt collection
Consumer protection
Credit repair
Bankruptcy and debt
Bankruptcy and debt
Debt collection
Class action