Are your credit report disputes going nowhere? You may be entitled to a speedy fix AND compensation!
I grew up in the San Francisco Bay Area, joined the Marine Corps and then went to law school. After my active duty time as a trial attorney, I became a senior executive in the debt buying and collections industry on the East Coast. I spent 7 years buying and collecting debts and even running a law firm that collected consumer debt exclusively. I know all the tricks.
I founded The Cardoza Law Corporation to bring the truth to consumers and help you get what you deserve from illegal debt collectors, credit reporting agencies, robo-callers, and businesses that just plain rip you off! You don't have to take it. The laws are on your side and all you have to do is get a free evaluation to see if you have a case that I can litigate for you for no money down. Most people have shame and guilt about a bad financial situation - don't. Illegal debt collection happens every day - it could be happening to you and you don't even know it!
In some cases, clients of The Cardoza Law Corporation may agree to be liable for costs and/or pay fees on an hourly, flat, or contingent basis. The information on this advertising website is not intended to serve as legal advice or as a guarantee, warranty, or prediction regarding the outcome of any particular legal matter. Visiting this site does not constitute the formation of an attorney/client relationship or the establishment of any other type of agreement that implies that legal representation has been offered or accepted.
Practice areas
You DON'T have to pay when someone steals your identity! Find out more about powerful ID Theft laws that protect you and can make these "debts" and credit reporting errors go away.
Are your credit report disputes going nowhere? You may be entitled to a speedy fix AND compensation! Send me your disputes and your credit reports for a Free Case Evaluation.
We understand how powerless when your credit score is impacted by an error or your life is turned upside down due to identity theft. Laws are in place to help you reclaim your financial well-being—we're here to help.
Servicemembers: You have special Civil Rights that are often violated by banks, landlords, lenders, debt collectors, mortgage banks, and homeowner's associations - among others. Find out about how you might be especially protected!
Fight Back against Debt Collection Harassment! If Debt Collectors do the wrong thing, you might be entitled to compensation and to have your debt erased. If something feels wrong, it just might be - so check it our for free!
Languages spoken
English
The Cardoza Law Corporation
548 Market St # 80594
San Francisco, CA, 94104
State | Status | Acquired | Updated |
---|---|---|---|
CA | Active | 1998 | 02/06/2021 |
Legal answers | 747 |
Legal guides | 0 |
Award name | Grantor | Date granted |
---|---|---|
Marine Corps Reserve Outstanding Career Attorney | The Judge Advocates Association | 2015 |
Meritorious Service Medal | U.S. Department of Defense | 2012 |
Title | Company name | Duration |
---|---|---|
Staff Judge Advocate (Reserve) | U.S. Marine Forces Pacific | 2014 - Present |
Executive VP for Finance, Operations & Transformation | Dominion Law Associates, PLLC | 2013 - 2014 |
Chief Executive Officer | Providence Dane, LLC | 2007 - 2014 |
Association name | Position name | Duration |
---|---|---|
Federal Bar Association | N/A | 2015 - Present |
The Judge Advocates Association American Inn of Court | N/A | 2015 - Present |
United States Supreme Court | N/A | 2010 - Present |
State Bar of California | N/A | 1998 - Present |
ACA International | N/A | 2009 - 2014 |
Debt Buyers Association | N/A | 2008 - 2012 |
---|---|---|
Maryland / DC Creditor's Bar Association | N/A | 2008 - 2014 |
National Association of Retail Collection Attorneys | N/A | 2007 - 2014 |
Virginia Creditors Bar Association | Technology Committee Chairman | 2007 - 2014 |
Publication name | Title | Date |
---|---|---|
Word Association Publishers; 1st edition | The Secret World of Debt Collection: Beat Collectors at Their Own Game - a Former Collections Executive Reveals How | 2015 |
United States Agency For International Development | "Business Climate Legal and Institutional Reform Diagnostic: Pakistan's Agenda For Action" (Employing Workers) | 2007 |
United States Agency For International Development | "Afghanistan's Agenda for Action - Developing the Trade & Business Environment" (Competition Law and Policy, Foreign Direct Investment) | 2007 |
School name | Degree | Graduated |
---|---|---|
Georgetown University Law Center | JD - Juris Doctor | 1997 |
University of California - Los Angeles | BA - Bachelor of Arts | 1993 |
Conference name | Title | Date |
---|---|---|
Ocean 98 Rude Awakening Morning Show | Consumer Debt Collection | 2015 |
Interview with Cyrus Webb on Conversations Live Radio | Consumer Finance and Credit Reporting | 2015 |
Author Story with Alexander Lim | Consumer Debt & Robo Calls | 2015 |
Case name | Outcome |
---|---|
Debt Collection Action for Alleged Rental Car Damage | DEBT DISMISSED |
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Colby Vokey, Debt collection Attorney on Jul 15, 2015
Relationship: Supervised lawyer
Mike Cardoza is one of the most competent and zealous lawyers I have ever met. A fierce and aggressive trial lawyer. Mike has also become the foremost expert in the United States in debt collection. You combine these two together and you get a hell of a lawyer fighting for American citizens against abusive debt collectors. I endorse this lawyer.
I serve as California co-chair for the prestigious National Association of Consumer Advocates. I've met and seen in action attorneys all throughout these United States. It's difficult for me to recall seeing anyone with the energy, drive and passion that Mike brings to consumer protection law. You'd be hard pressed to find a better person anywhere to handle your matter.
Ian Chowdhury, Consumer protection Attorney on Feb 12, 2021
Relationship: Fellow lawyer in community
Mike Cardoza truly knows the debt collection industry inside-out, and knows how to effectively use that knowledge to the advantage of his consumer clients. If you are being harassed by debt collectors, are suffering from improper credit reporting or are a victim of ID theft, you would be very fortunate indeed to have Mr. Cordoza champion your cause!
Gary Fraley, Consumer protection Attorney on Jun 8, 2020
Relationship: Fellow lawyer in community
I have known Mike for several years. He is usually at the National Association of Bankruptcy Attorneys annual convention except this year because it was cancelled due to COVID-19. He is the best attorney in the field of Consumer Law. He is so good that I have referred clients to him for consumer law litigation. Mike does the job right. That is why I can fully and without hesitation endorse him.
David Ashe, Consumer protection Attorney on Jul 27, 2017
Relationship: Worked together on matter
When it comes to consumer law, Mike knows the inner workings of every part of the collection industry. That's why he wins for his clients. That, and his commitment to health and fitness.
John Watts, Debt collection Attorney on Feb 7, 2017
Relationship: Fellow lawyer in community
I met Michael a few years ago at a seminar and I was impressed with his knowledge and character. Since then I've seen the good work he has done helping consumers who are dealing with debt collectors (and other consumer issues). I recommend you check out his information -- he shares a ton online -- and then contact his office to get honest guidance. He'll tell you the truth about your situation and then you can make your own decision. John Watts
Theodore Schofner, Consumer protection Attorney on Nov 2, 2016
Relationship: Fellow lawyer in community
Mike is the expert in all legal matters relating to Creditor Harassment and unfair debt collection tactics . He is extremely professional, ethical and competent. I refer cases to him without hesitation. I am honored to endorse Mike Cardoza.
Benjamin Glass, Debt collection Attorney on Aug 8, 2016
Relationship: Fellow lawyer in community
If you have a debt collection or credit reporting problem I strongly recommend that you reach out to Mike. His website is filled with useful information and at the time I'm making this recommendation he has a terrific 133 second video that will get you started. Very few lawyers give away this much useful information!
Wayne Sinnett, Consumer protection Attorney on Jul 11, 2016
Relationship: Fellow lawyer in community
Mike Cardoza is an incredibly smart consumer protection attorney and If you're being hassled by debt collectors he should be your first call.
Neill Wente, Consumer protection Attorney on May 7, 2016
Relationship: Worked together on matter
Mr. Cardoza is a thorough and personable attorney who works hard to get the job done for his clients. I have worked with on numerous projects in the past and always enjoyed working with him.
Andrei Armas, Consumer protection Attorney on Mar 23, 2016
Relationship: Worked together on matter
Michael is one of the most knowledgeable, hardworking attorneys in the community. He is very passionate about his work and very dedicated to his clients. Without a doubt - I would recommend him to anyone seeking counsel on consumer protection matters!
Derek Diaz, Class action Attorney on Mar 21, 2016
Relationship: Co-worker
Mike Cardoza has a brilliant legal mind that I would turn to if I ever needed to hire my own lawyer. His clients have always raved about his tireless efforts to promote their interests and to protect their rights. I enthusiastically endorse Mike Cardoza.
Hermin Dowe, Consumer protection Attorney on Mar 14, 2016
Relationship: Fellow lawyer in community
Mr. Cardoza is a dedicated, caring professional who is striving for excellence. He is a credit to the legal profession and a great person as well.
Brian Bouffard, Bankruptcy and debt Attorney on Aug 19, 2015
Relationship: Co-worker
As smart and ethical as they come, there simply is NO BETTER LAWYER in this practice area than Mike Cardoza. I've known Mike for years since we were on active duty together at Camp Pendleton. He has always impressed me with his heart, his judgment, and his peerless skills as an attorney. I can say without hesitation that if I or a loved one needed an attorney, I would look no further. I enthusiastically recommend Mike!
Mark Clay, Bankruptcy and debt Attorney on Aug 17, 2015
Relationship: Fellow lawyer in community
I endorse Mr. Cardoza. He is a truly asset to our legal community. Very helpful on AVVO and a great expert in the field.
Andrew Hull, Consumer protection Attorney on Aug 10, 2015
Relationship: Fellow lawyer in community
I enthusiastically endorse Mike Cardoza for consumer protection, bankruptcy and debt, credit repair and related fields. I have known Mike for over 20 years. His integrity and dedication to clients is second to none. Mike is a fearless and zealous advocate for his clients, and literally wrote the book on how to beat debt collectors at their own game: http://www.amazon.com/Secret-World-Debt-Collection-Game--ebook/dp/B00XK3ETNS/ref=sr_1_1?s=digital-text&ie=UTF8&qid=1439227043&sr=1-1&keywords=mike+cardoza. If you are in need of a strong defender of your rights in the world of debt collection and consumer protection, run, don't walk, to Mike Cardoza.
I serve as California co-chair for the prestigious National Association of Consumer Advocates. I've met and seen in action attorneys all throughout these United States. It's difficult for me to recall seeing anyone with the energy, drive and passion that Mike brings to consumer protection law. You'd be hard pressed to find a better person anywhere to handle your matter.
Megan Troy, Bankruptcy and debt Attorney on Jul 29, 2015
Relationship: Fellow lawyer in community
You want this man as your lawyer! No matter what your problem -- debt collectors, credit repair, consumer protection, or bankruptcy and debt issues -- Mike Cardoza excels at them all. I have known Mike for over 20 years and never have I met a more dedicated, intelligent, and hard-working attorney. Mike will fight for you, and win. I wholeheartedly endorse this lawyer.
Aaron Shields, Bankruptcy and debt Attorney on Jul 21, 2015
Relationship: Fellow lawyer in community
I have known Mike for over 25 years. He has always impressed me with his ability to zealously tackle any issue and to resolve matters with a positive outcome. I would not hesitate to recommend Mike to my friends and family and that is testament to his integrity and skill.
Matthew Haltom, Consumer protection Attorney on Jul 16, 2015
Relationship: Fellow lawyer in community
No one is a more zealous and competent advocate for consumer protection issues. Mike is an excellent attorney. I endorse this lawyer.
Colby Vokey, Debt collection Attorney on Jul 15, 2015
Relationship: Supervised lawyer
Mike Cardoza is one of the most competent and zealous lawyers I have ever met. A fierce and aggressive trial lawyer. Mike has also become the foremost expert in the United States in debt collection. You combine these two together and you get a hell of a lawyer fighting for American citizens against abusive debt collectors. I endorse this lawyer.
Reza Torkzadeh, Consumer protection Attorney on Jul 15, 2015
Relationship: Fellow lawyer in community
Mike is an asset to the community. He is the go-to lawyer for consumer protection matters and is a passionate advocate. I've come to know Mike over the past few years and his legal abilities, knowledge of the law and personality make him my number one choice. I strongly endorse this lawyer.