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About me

Mr. Cardona-Loya has been at the forefront of litigation against mortgage servicers since the economic collapse in 2008.  He primarily focuses on representing consumers in their claims against mortgage servicers and debt collectors.  He has stopped numerous foreclosures, obtained loan modifications with principal reductions, and obtained favorable and well-known court rulings under the Home Affordable Modification Program.  He also brings experience in other areas of practice including immigration, personal injury, medical malpractice, and estate planning.



California Western School of Law

Dean’s Scholarship for Ethnic and Cultural Diversity

Academic Achievement Award for Counter-Terrorism in the Post-9/11 World

Academic Achievement Award for Advanced Legal Research and Writing 

State Bar of California Wiley W. Manuel Award for Pro Bono Services, 2007

Dean’s Honor List, Spring 2006


University of San Diego

Phi Beta Kappa, 2004



Medicare to Cut Physician Reimbursements.The Journal of Biolaw and Business, Vol. 10, No. 1, 2007.


Speaking Engagements

Defending Collection Lawsuits – 2010

Defending Foreclosures – 2008



State Bar of California

United States District Court, District of California – Southern District

United States District Court, District of California – Central District

United States District Court, District of California – Eastern District

United States District Court, District of California – Northern District



California Western School of Law, J. D., cum laude, 2007


University of San Diego, B. A., magna cum laude, 2004


Languages spoken: Spanish

Practice areas


  1. Consumer Protection: 20%
  2. Debt Collection: 20%
  3. Credit Repair: 15%
  4. Credit Card Fraud: 15%
  5. Other: 30%
  6. More 



Free consultation (30 minutes)

Payment types:

Cash, Check, Credit card

Attorney endorsements

2 total 

Are you an attorney? Endorse this lawyer

  • Jeremy Scott Golden

    I endorse this lawyer.


    Jeremy Golden Credit repair Attorney
    Relationship: Co-worker

  • Daniel Guinn Shay

    I have referred several of my bankruptcy clients to Mr. Cardona for help suing their creditors. Some creditors really harass people, which is often times illegal under the Fair Debt Collection Practices act and The Rosenthal Act. Mr. Cardona is very familiar with these laws and has obtained thousands of dollars for my clients. I do not hesitate to recommend him.


    Daniel Shay Chapter 7 bankruptcy Attorney
    Relationship: Worked together on matter

Contact info

3130 Bonita Rd Ste 200-B
Chula Vista, CA, 91910


We have not found any instances of professional misconduct for this lawyer.
Avvo contributions
Legal answers
Award nameGrantorDate granted
Wiley W. Manuel Award for Pro Bono ServicesState Bar of California2007
Dean’s Scholarship for Ethnic and Cultural DiversityCalifornia Western School of Law2004
Work experience
TitleCompany nameDuration
PartnerGolden & Cardona Loya, LLP2010 - Present
Association namePosition nameDuration
State Bar of CaliforniaMember2008 - Present
Legal cases
Case nameOutcome
Alejandre v. Genpact Services LLCPlaintiff's Verdict
See all legal cases 
Publication nameTitleDate
The Journal of Biolaw and BusinessMedicare to Cut Physician Reimbursements.2007
School nameMajorDegreeGraduated
California Western School of LawLawJD - Juris Doctor2007
University of San DiegoPolitical Science and SociologyBA - Bachelor of Arts2004
Speaking engagements
Conference nameTitleDate
Debt Collection DefenseDebt Collection Defense2010
Defending ForeclosuresDefending Foreclosures2008