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April 30, 2020

The Coronavirus Aid, Relief, and Economic Security Act ("CARES Act") was signed into law in response to the current global pandemic.  The CARES Act provides several provisions that assist consumers financially.  

Mortgage Relief

The CARES Act provides temporary...

April 13, 2020

As requested by Governor Gavin Newsom, major national banks and nearly 200 state-chartered banks, credit unions, and mortgage lenders/servicers committed to providing California homeowners relief as a result of the economic fallout of the COVID-19 pandemic. The relief...

April 6, 2020

The attorneys at Golden & Cardona-Loya, LLP have been assisting student loan borrowers for over a decade.  In response to the COVID-19 pandemic the federal government passed one of the most borrower-friendly pieces of legislation in recent memory.

As part of the CARES A...

April 3, 2020

President Donald Trump signed the Coronavirus Aid, Relief, and Economic Security Act (commonly referred to as the “CARES Act”) into law on March 27, 2020. The CARES Act provides mortgage relief for those affected by the drastic economic impact caused by the Covid-19 (“...

March 24, 2020

Everybody I have talked to has received unwanted autodialed calls to their cell phone. Also known as “robocalls” these unpleasant interruptions of our daily life can be violations of a consumer protection law.

The Telephone Consumer Privacy Act (“TCPA”), 47 U.S.C §227 p...

March 21, 2020

The Fair Credit Reporting Act ("FCRA") and California Consumer Credit Reporting Agencies Act ("CCRAA") provide rules that protect your credit information and implements limits on who can pull and access your credit report.  In order for an individual or company to pull...

March 19, 2020

The COVID-19 pandemic has already had an immediate negative impact for consumers trying to pay their bills.  With millions of people losing jobs or working reduced hours the smaller paychecks will mean more accounts going into default.   This post will give some practi...

March 19, 2020

Authority: Fabian v. Renovate America, Inc. (2019) 42 Cal.App.5th 1062

Consumers who have been victims of fraud in transactions related to solar power can seek redress in court. 

In an era of electronic convenience, consumers are able to contract without physically signi...

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...

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