Questions answered by Michael Frederick Cardoza

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I believe there appears to be a valid TCPA cause of action here. 512 robo calls within 45 days from a major bank.

Michael's answer | Answered on October 08, 2015

Sounds like you may have more than just a TCPA case, you may have illegal collections and invasion of privacy. All which can pay an attorneys fee...

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I settle a debt with a collection agency. They have not changed the status on my credit report and it's been a year. Can I sue?

Michael's answer | Answered on October 08, 2015

You can, a collector has an obligation to report accurately. If they reported your account delinquent when it wasn't, you've got a case. Get a free...

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I was hired 5 years ago the handbook packet offers sick and vacation and health. They have denied the health every year.

Michael's answer | Answered on October 08, 2015

Handbooks can be binding on the employer and discrimination based on age isn't legal. Get your case evaluated by an employment and/or consumer...

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Can landlord send a debt to collections if we are actively disputing it with them?

Michael's answer | Answered on October 08, 2015

Yes, and it's not necessarily a bad thing because now you may actually have greater leverage over the Landlord if the collector misrepresents the...

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Is there claim for fraud and damages?

Michael's answer | Answered on October 07, 2015

Yes, but think carefully about how you are going to collect even if you win a money judgment - has he got anything?

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How long do I have to file a lawsuit against a bank regarding fraud during the process of attempting to get a loan modification.

Michael's answer | Answered on October 07, 2015

3 years but why wait?! Beware the arbitration clause in your service agreement. Get all the documents you can that prove your case and get a free...

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Bad Credit history

Michael's answer | Answered on October 07, 2015

Start by getting all of your reports at www.annualcreditreport.com. Circle everything that's wrong and get an evaluation from a consumer protection...

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Do i need a lawyer to settle negotiations of a creditors "judgment" payoff

Michael's answer | Answered on October 07, 2015

I think that if you were properly served and failed to answer the suit, you may be stuck with this judgment. The court clerk can help you figure...

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How can i get my car back if it is repossessed after a missed payment? I've already paid more than the amount of the loan.

Michael's answer | Answered on October 06, 2015

You have an absolute right to redeem your car (buying it back) and the reposessorbhas to send you certain notices or else they can't collect. Save...

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Pay day loan

Michael's answer | Answered on October 05, 2015

I think you might have a good case against them for illegal collections and harassment! Get all your documents together and then ask for a free...

Michael Frederick Cardoza's Answers (753)

I believe there appears to be a valid TCPA cause of action here. 512 robo calls within 45 days from a major bank.

I settle a debt with a collection agency. They have not changed the status on my credit report and it's been a year. Can I sue?

I was hired 5 years ago the handbook packet offers sick and vacation and health. They have denied the health every year.

Can landlord send a debt to collections if we are actively disputing it with them?

Is there claim for fraud and damages?

How long do I have to file a lawsuit against a bank regarding fraud during the process of attempting to get a loan modification.

Bad Credit history

Do i need a lawyer to settle negotiations of a creditors "judgment" payoff

How can i get my car back if it is repossessed after a missed payment? I've already paid more than the amount of the loan.

Pay day loan