Mr. Cardona-Loya has been at the forefront of litigation against mortgage servicers since the economic collapse in 2008.  He primarily focuses on representing consumers in their claims against mortgage servicers and debt collectors.  He has stopped numerous foreclosures, obtained loan modifications with principal reductions, and obtained favorable and well-known court rulings under the Home Affordable Modification Program.  He also brings experience in other areas of practice including immigration, personal injury, medical malpractice, and estate planning.

Awards

California Western School of Law

Dean’s Scholarship for Ethnic and Cultural Diversity

Academic Achievement Award for Counter-Terrorism in the Post-9/11 World

Academic Achievement Award for Advanced Legal Research and Writing 

State Bar of California Wiley W. Manuel Award for Pro Bono Services, 2007

Dean’s Honor List, Spring 2006

University of San Diego

Phi Beta Kappa, 2004

Publications

Medicare to Cut Physician Journal of Biolaw and Business, Vol. 10, No. 1, 2007.

Speaking Engagements

Defending Collection Lawsuits – 2010

Defending Foreclosures – 2008

Admissions

State Bar of California

United States District Court, District of California – Southern District

United States District Court, District of California – Central District

United States District Court, District of California – Eastern District

United States District Court, District of California – Northern District

Education

California Western School of Law, J. D., cum laude, 2007

University of San Diego, B. A., magna cum laude, 2004