Contact

Phone: 619.476.0030

Fax: 775.743.0307

info@goldencardona.com

Address

3130 Bonita Road, Suite 200B
Chula Vista, CA 91910

©2019 Golden & Cardona-Loya LLP.

Please reload

Archive

Please reload

Tags

Please reload

Recent Posts

The Fair Debt Collection Practices Act was signed into law September 20, 1977 by President Jimmy Carter.    This law was designed to end deceptive, abusive, behavior from debt collectors, and additionally, unfair debt collection practices.

But what is an unfai...

It is National Consumer Protection week! This is a time for our firm to help consumers like you understand your rights in order to make well informed decisions regarding your finances.  

One of the crucial areas that consumers must begin to focus on within their fi...

March 1, 2019

A third-party debt buyer cannot lay the foundation for the business records of the original creditor. (Midland Funding, LLC v. Romero (2016) 5 Cal.App.5th Supp. 1, accord Sierra Managed Asset Plan, LLC v. Hale (2015) 240 Cal.App.4th Supp. 1.)

What does that mean?  It me...

January 4, 2019

Have you been receiving robo-calls to your cell phone? Do your creditors constantly call you with prerecorded messages? Are you receiving spam text messages without your permission? If so, there’s a good chance you might be able to put an end to those unwanted calls an...

What is a foreclosure? A foreclosure is the act of taking possession of a mortgaged property when the mortgagor fails to keep up their mortgage payments.

In California, the most common type of foreclosure is a Nonjudicial Foreclosure.   This happens when a mortgage agre...

Are you receiving debtor calls relating to a debt not owed?  If you don’t believe you owe a debt you are being contacted about, you can write a request and send through the mail within 30 days of receiving the initial notice or contact, stating that you want verificati...

Ever wondered why your credit score is lower than you anticipated?  Did you check it and not comprehend why it was lowered?  Allow us to share with you a seldom known fact: Credit reporting agencies at times report erroneous credit information. 

According to T...

June 22, 2018

The attorneys of Golden & Cardona-Loya, LLP were able to settle a second mortgage with Real Time Resolutions. The unpaid principal balance on the loan was $264,822.97. The loan was settled for $20,000. The settlement will also be reported on the consumers credit report...

June 19, 2018

The privacy of an individual's medical information is an important aspect when building trust between a patient and his or her medical provider.  The California Confidentiality of Medical Information Act, Civil Code §56 et seq. (“CMIA”) has been established to help kee...

June 4, 2018

Individuals who have been the victim of identity theft can request a security freeze or fraud alert to protect against unauthorized use of their information.  (For a detailed discussion regarding the difference between security freezes and fraud alerts please see our p...

Please reload