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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.


 


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 Reimbursements.The 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

More 

Languages spoken: Spanish

Practice areas

Licensed

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

Payment

Fees:

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.

    More 

    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.

    More 

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

Contact info

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

Resume

License
StateStatusAcquiredUpdated
CAActive200805/23/2016
We have not found any instances of professional misconduct for this lawyer.
Avvo contributions
Legal answers
Awards
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
Associations
Association namePosition nameDuration
State Bar of CaliforniaMember2008 - Present
Legal cases
Case nameOutcome
Alejandre v. Genpact Services LLCPlaintiff's Verdict
See all legal cases 
Publications
Publication nameTitleDate
The Journal of Biolaw and BusinessMedicare to Cut Physician Reimbursements.2007
Education
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