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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.
Awards
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
Publications
Medicare to Cut Physician Journal of Biolaw and Business, Vol. 10, No. 1, 2007.
Speaking Engagements
Defending Collection Lawsuits – 2010
Defending Foreclosures – 2008
Admissions
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
Education
California Western School of Law, J. D., cum laude, 2007
University of San Diego, B. A., magna cum laude, 2004
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$0 first 30 minutes
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Chat withState: California
Acquired: 2008
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3130 Bonita Rd Ste 200-B, Chula Vista, CA, 91910
6 Client Reviews
Showing 1 - 5 of 6 reviews
Posted by Mauro | July 11, 2016 | Hired Attorney | Debt Collection
Highly Recommended!
Mr. Cardona helped me in a debt harassment case and was solid from beginning to end. He was extremely confident and aggressive throughout the entire process which helped to put me at ease as well. We won a substantial amount and it was finalized quicker than I expected. Mr. Cardona went above and bey...
Posted by Ben | June 26, 2016 | Hired Attorney | Debt Settlement
Happy to recommend Octavio!
I had the pleasure working with Octavio (aka Vito). He represented me in a major credit card company case and I'm very happy with the results. He was always prompt, patient and very clear about the process. I'll recommend him again and again. Thanks Vito!!
Posted by anonymous | June 20, 2016 | Hired Attorney | Lawsuits & Disputes
Excellent
I am so pleased with the way Vito handled my case, I can't itemize it all. He was always very professional from the very start. Since the first day that I sat in his office for my consultation to our day in court. If there was ever anything he needed, he called me and I'd get it to him as soon as I c...
Posted by Sabrina | June 19, 2016 | Hired Attorney | Lawsuits & Disputes
Excellent
He always listened, there to ask any questions, very supportive and made me comfortable talking to him. He did an excellent job and helped me win my case.
Posted by Thomas | June 19, 2016 | Hired Attorney | Lawsuits & Disputes
Great Lawyer!!! Excellent Law Firm!!!
While I'm unable to share specifics about our case, I can at least talk about the fact Golden & Cardona-Loya offered to take our case after almost 20 conversations with other firms refused. But offering to accept our case was not the best thing they did. They actually were able to get my entire life ...
"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."
Unknown lawyer
2007
Wiley W. Manuel Award for Pro Bono Services, State Bar of California
2004
Dean’s Scholarship for Ethnic and Cultural Diversity, California Western School of Law
2010 - Present
Partner, Golden & Cardona Loya, LLP
2008 - Present
State Bar of CaliforniaMember
Plaintiff's Verdict
2007
JD - Juris Doctor
2004
BA - Bachelor of Arts
2010
Debt Collection Defense
2008
Defending Foreclosures
2007
Spanish