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About me

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. 





Languages spoken: English, Spanish

Photos and videos

368312 1260549145

Practice areas


  1. Credit Repair: 35%
    10 years
  2. Debt Settlement: 25%
    10 years, 100 cases
  3. Foreclosure: 25%
    8 years
  4. Debt Agreements: 15%
    10 years, 100 cases



Free consultation (30 minutes)

Payment types:

Cash, Check, Credit card

Attorney endorsements

10 total 

Are you an attorney? Endorse this lawyer

  • Octavio Cardona

    I endorse this lawyer.


    Octavio Cardona Debt collection Attorney
    Relationship: Co-worker

  • Michael S. Waddington

    I endorse Jeremy. He is a highly skilled attorney that is well respected in the legal community.


    Michael Waddington Military law Attorney
    Relationship: Fellow lawyer in community

Contact info

Golden & Cardona-Loya, LLP

3130 Bonita Road, Suite 200B
Chula Vista, CA, 91910


We have not found any instances of professional misconduct for this lawyer.
Avvo contributions
Legal answers
Award nameGrantorDate granted
Preeminent 5.0 out of 5Martindale-Hubbell2012
Top AttorneySan Diego Metro Magazine2011
Dean's ListSanta Clara University School of Law2003
Honors Moot Court BoardSanta Clara University School of Law2002
Witkin Award for Academic ExcellenceWitkin Legal Institute2001
Work experience
TitleCompany nameDuration
PartnerGolden & Cardona-Loya, LLP2009 - Present
Legal AdvisorSun Microsystems, Inc.2002 - 2003
Association namePosition nameDuration
National Association of Consumer AdvocatesMember2010 - Present
San Diego County Bar AssociationMember2004 - Present
State Bar of CaliforniaMember2003 - Present
Legal cases
Case nameOutcome
Atlantic Credit & Finance, Inc. v. Douglas A.Defeated debt collector at trial
Christopher C. v. 1st Credit of AmericaWon lawsuit against debt collector at trial
Felipe A. v. The City of San DiegoJury awarded my client $1,325,000.
See all legal cases 
Publication nameTitleDate
Managing Intellectual PropertyHow to Defeat Cybersquatters2001
School nameMajorDegreeGraduated
Santa Clara University School of LawLawJD - Juris Doctor2003
University of Wisconsin, MadisonN/ABA - Bachelor of Arts2000
Speaking engagements
Conference nameTitleDate
Defending Collection LawsuitsDebt Collection Defense2010
Defending ForeclosuresDefending Foreclosures2008
Defending Collection Cases and Converting them into FDCPA ActionsCollection cases and FDCPA violations2008
Solving Identity Theft and Credit Reporting ProblemsIdentity Theft and Credit Reporting2007