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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...

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...

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