Reviews

Mike is a true professional, he provides the insights you'll need to ensure that your credit and your reputation throughout the rest of your life is protected. His guidance and the tools he provides empowered me with the courage that I needed to protect myself and my family from overzealous creditors. In addition, Mike provides a path to freedom and pride as he provides instruction, knowledge and expertise "directly to you" about "right and wrong" ways to protect your credit and "maintain" your score and reputation. Hooyah Mike! You are a true Patriot! Dave (Retired Navy SEAL)

Had a helpful and informative phone consult. Didn't end up becoming a client, but appreciated the time took answering my questions and laying out possible next steps.

Great service , great info and great communication.

I can not thank this group enough. They got me on track to get Ditech to do the right thing. Knowledge is power, and Cardoza shared that knowledge in a way that was easy to follow. Most importantly they RESPONDED to my emails quickly. I have never dealt with a group so responsive and willing to help!

If you are stressed out being contacted or sued by bill collectors even if you think they are right and you are wrong do not contact them but please do yourself a huge favor and contact Mike Cardoza TODAY. Even if you feel your situation is hopeless you have rights you don't even know about that can completely turn your situation around and make you the winner instead of the loser. Let Mike Cardoza with his expertise turn your situation around like he did for me. He completely took over the situation and made a horrible negative into a beautiful positive and went the extra mile doing things other attorneys simply do not do. He can give you the legal protection and guidance that you need to get you through your difficult time. Your peace of mind is a phone call or computer click away. Please contact Mike today and let today be the beginning of the end of your debt problems. He has helped me in ways I cannot describe specifically but please let him do the same for you. Turn your life around TODAY and call Mike.

first time using Cardoza law service and strongly recommend. He took my case while most lawyers refused due to low rate of winning. -Brian

Good read for the beginner or novice. Knowlwdge is power.

I called Mike for guidance with an old judgement from Midland Credit Management (MCM) that I found on my credit 7 years after I was apparently served papers in San Francisco for an outstanding debt (a debt that was the result of identity theft). I no longer live in SF, and Mike guided me through the complicated process of filing a motion to vacate the judgement. He sent me links, templates and looked over my final drafts, along with phone consultations- FOR FREE! I am incredibly indebted to Mike for all his help in SUCCESSFULLY helping me to vacate the judgement. If you need help with a similar problem, call him!

Mike's company has an online system for you to upload any documents related to your case and add any commentary. I really like this because it saves time in explaining details before are consultation call. During the call, Mike was very caring and professional and had advice right on the spot which made good sense and gave me the confidence to follow through

We had an extremely positive experience with Mr. Cardoza and would recommend him without reservation. My husband and I contacted Mike regarding a debt collection issue that was causing us a significant amount of stress. Mike was extremely sympathetic to our situation and definitely seemed to care about what was happening to us. More importantly, he also listened closely and asked a lot of probing questions to better understand the case - it became clear that he wanted to understand every aspect in detail and gave us clear and unbiased feedback... both when circumstances were and were not in our favor. Additionally, he made it pretty easy to work with him. Mike was extremely responsive by both email and phone, and his website had a number of options that allowed us to provide documentation and exchange information very easily. Finally - and to his great credit - Mike stood by us even when our case became much less financially attractive to him personally (it became apparent that the agency we were dealing with was largely insolvent). He continued to press on our behalf, and followed up even after the case itself was settled to ensure that everything was fully resolved. This is definitely something that not all attorneys would do, and it speaks highly of his ethical standards and professionalism. To sum up, we very much appreciated the chance to work with Mike and would recommend him wholeheartedly to anyone in need of these skills.

My experience in talking with Mike is that he is very knowledgeable about consumer rights and good at describing what he knows. I enjoyed my conversation with him and found his book about the debt collection industry to be illuminating.