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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...

June 3, 2018

On May 24, 2018 the President signed Public Law 115-174 extending protections to Servicemembers facing foreclosure.  The attorneys at Golden & Cardona-Loya, LLP assist servicimembers in all aspects in dealing with their creditors. 

The Servicemembers Civil Relief A...

June 2, 2018

On May 24, 2018 President Trump signed off on a number of changes to consumer protection laws. Many of the changes affect the Truth in Lending Act (“TILA”) and the Fair Credit Reporting Act (“FCRA”).  Other changes affect the Servicemembers’ Civil Relief Act (“SCRA”) a...

This case of mistaken identity-turn-into-nightmare actually happened.  In December 2015 and January 2016, “P&R”, a law firm that represents creditors, sent Mr. Garcia paperwork regarding a lawsuit that pertained to another individual with his name.  Mr. Garcia informed...

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