Questions answered by Michael Frederick Cardoza

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Received a email from a collection agency with a arrest warrant number on it. Is this legitimate or a scare tactic?

Michael's answer | Answered on August 19, 2015

Get it reviewed ASAP by an attorney for free. Do you have a loan outstanding?

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I'm 90% certain a banker at my bank (Citibank) stole my funds through a mistake in my ATM deposit, what are my options?

Michael's answer | Answered on August 18, 2015

Attorney Kelvin Green just gave you the most complete and thorough answer you're going to get without going to law school. It's time to move on...

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Which attorney do I need?

Michael's answer | Answered on August 18, 2015

Most attorneys won't do it for a fee but will help if you also have an illegal collection claim, are getting robo dialed without consent, or have a...

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What questions should I ask of an attorney to find out if he or she is a good fit for a class action lawsuit?

Michael's answer | Answered on August 18, 2015

I think you're looking for a civil rights lawyer who commands media attention. Think Johnny Cochran. See who your local media is talking about who...

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Help with judgment question and garnishing of wages

Michael's answer | Answered on August 17, 2015

Check out the Legal Aid office down the street from the Courthouse on 1st St in San Jose. They're good people. If you're not making a lot of money...

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Levy on Joint Account

Michael's answer | Answered on August 17, 2015

SSI is exempt but we need a little more information to steer you in the right direction. You might have an illegal collection claim.

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I had a 790 credit Report with the three major credit bureaus .Now Experian say that has no file on me in there database.

Michael's answer | Answered on August 15, 2015

If they don't fix it and make it accurate, you may have a great case against the consumer reporting agencies that an attorney would likely take for...

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Is debt information gets deleted from credit report?

Michael's answer | Answered on August 15, 2015

Debt does just eventually "go away" although nobody wants to admit it! Work with what you've got and move forward, the American system is designed...

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Does it help to have a lawyer negotiate a cell phone bill?

Michael's answer | Answered on August 14, 2015

If they're using a collection agency, you can probably get a consumer protection attorney to at least evaluate your case for free. You may have an...

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I had a 790 FICO Score with Experian but now they say they dont have a record of me in their database.

Michael's answer | Answered on August 13, 2015

Yes. You may have a case. Request a free evaluation!

Michael Frederick Cardoza's Answers (753)

Received a email from a collection agency with a arrest warrant number on it. Is this legitimate or a scare tactic?

I'm 90% certain a banker at my bank (Citibank) stole my funds through a mistake in my ATM deposit, what are my options?

Which attorney do I need?

What questions should I ask of an attorney to find out if he or she is a good fit for a class action lawsuit?

Help with judgment question and garnishing of wages

Levy on Joint Account

I had a 790 credit Report with the three major credit bureaus .Now Experian say that has no file on me in there database.

Is debt information gets deleted from credit report?

Does it help to have a lawyer negotiate a cell phone bill?

I had a 790 FICO Score with Experian but now they say they dont have a record of me in their database.