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Michael Frederick Cardoza's Answers (753)

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Archived

Are debt collector required to provide a reference number for settlement of a debt

Michael's answer | Answered on July 30, 2015

Google ACA International to see if that collection agency is a member, if they aren't, you may have a problem that requires further research!

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10 years ago my ex husband applied for a walmart card, he also asked for a card for me,even tho we were divorced, because he was

Michael's answer | Answered on July 30, 2015

You are not responsible. Consult with a consumer collections attorney to see if you have a case for illegal debt collection. Barry&helwig are one...

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Can I take legal action against at&t

Michael's answer | Answered on July 30, 2015

The damages for a Debt Collection case like this are statutory and are up to $2000 in California. Plus, the defendant pays your attorney's fee so...

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Using someone else ssn

Michael's answer | Answered on July 29, 2015

Separate your finances immediately. Close joint accounts. Open credit in your name only. Get your free credit reports and dispute any inaccurate...

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Collection agency says we had a court date and that we never showed up?? and denied to give any sort of prove? help

Michael's answer | Answered on July 29, 2015

You're in a good spot because you weren't a party to the lease. Likely the collector is violating collection laws. You can stop being worried and...

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Is there a defense for a debt collection when the debt is owed?

Michael's answer | Answered on July 28, 2015

Yes! You're entitled to have the plaintiff prove that you actually owe all of it to the Plaintiff - in court. If your Plaintiff is a debt buyer,...

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Are collections agencies prohibited from removing collection accounts per FCRA once they are paid in full?

Michael's answer | Answered on July 28, 2015

Your best bet for a removal is to dispute the original validly of the debt - something you're not doing if you pay it. It's a long row to hoe for a...

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Are there statutory damages for intentional billing fraud committed by companies against consumers?

Michael's answer | Answered on July 28, 2015

Most likely yes. California has powerful consumer protection laws that you can use to protect yourself and prevent this from happening to others!...

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Can I get help with a law suit?

Michael's answer | Answered on July 28, 2015

Fortunately for you, there's a small but aggressive and effective pack of lawyers that sues other lawyers. Don't waste time in other categories -...

Archived

Familiar Identity Theft- father uses son's social & forged w9. What charges could father face? Tax fraud? Forgery?

Michael's answer | Answered on July 28, 2015

Consider also consulting with a Credit Repair/Consumer Protection attorney in order to clean up his credit reports. The Credit Bureaus can be held...