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Michael Frederick Cardoza's Answers (753)

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Archived

Can debit collectors posing as creditors be sued?

Michael's answer | Answered on October 23, 2016

I concur with John. But if it's consumer debt - you may have a really strong case! Get your situation checked out for free by a California Consumer...

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Got court ordered wage garnishment notice from employer through a collection firm.

Michael's answer | Answered on October 23, 2016

You may already have a good illegal collections case that could entitle you to compensation. Suing on an out-of-statute consumer debt is a BIG...

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Can i get charged late fees if I'm not on a contract?

Michael's answer | Answered on October 20, 2016

Gym memberships, unfortunately, are often the subject of fraudulent activity. You may have a consumer protection case that entitles you to...

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No validation for disputed debt?

Michael's answer | Answered on October 20, 2016

You may have a good FCRA case if you can show why the disputed that is not yours or is otherwise being reported inaccurately. There are also...

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What can i do

Michael's answer | Answered on October 20, 2016

You may have a case for wrongful repossession. I recommend that you get a free evaluation by a California consumer financial protection attorney...

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What form do I use to answer a summons.

Michael's answer | Answered on October 20, 2016

Wait! You need the help of an attorney who knows California identity theft laws. You may already be entitled to compensation and cleanup of your...

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Is it a violation of collection laws if a collection agency keeps calling me, even though I do not know the debtor?

Michael's answer | Answered on October 20, 2016

I CAN speak to the FDCPA and you may have a solid consumer protection case right now! I recommend you get your situation checked out for free by a...

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Can a bank be calling me on a loan that is not passed due before due date and threaten they'll foreclose on me.

Michael's answer | Answered on October 20, 2016

Foreclose on what? A business? An office building? If it's you're home you may already have a solid consumer protection case. I recommend that you...

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I took out a cash advance loan from "California cash checking" in San Francisco. I have not paid them back, it has been 6 month

Michael's answer | Answered on October 19, 2016

That's great-they are violating the law all over the place. If we can find a defendant you may already be entitled to compensation. Collect all...

Archived

Canceling a credit cardholder agreement

Michael's answer | Answered on October 19, 2016

Don't do it. It's fruitless. Get some help for free from a California bankruptcy attorney or California financial consumer protection attorney for...