Phone: 619.476.0030

Fax: 775.743.0307


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

©2019 Golden & Cardona-Loya LLP.

Please reload


Please reload


Recent Posts

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...

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...

Please reload