Loker Law
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    • Our Firm
      • Matt Loker, Esq.
      • Scott Plescia, Esq.
      • Charles Cummins, Esq.
      • Nicholas J. Enns, Esq.
      • Andrei Armas, Esq.
      • Matt Allison
      • Monica Parra
      • Keeley Fries
      • Madison Simoes
      • Emily Preciado
      • Nashley Contreras
      • Evashni Naidoo
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      • Arroyo Grande CA
      • Glendale, CA
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  • What Should I Do After an FCRA Violation in California? Published:   March 13, 2026
  • What Should I Do if My California Bank Won’t Refund Stolen Money? Published:   October 20, 2023     Updated:   March 10, 2026
  • What Can I Do if The Bank Refuses to Refund Stolen Money? Published:   March 14, 2025     Updated:   March 10, 2026
  • Can Creditors Freeze My Bank Account? Published:   October 27, 2023     Updated:   March 10, 2026
  • Can Creditors Freeze Bank Accounts? Published:   January 6, 2023     Updated:   March 10, 2026
  • How Can I Prevent Identity Fraud After My Information Is Stolen? Published:   March 6, 2026
  • Can I Be Held Liable if Someone Steals My Deceased Relative’s Identity in San Luis Obispo? Published:   February 27, 2026
  • Do Password Managers Increase My Risk of Identity Theft? Published:   February 20, 2026
  • What Should Immigrants Know About Identity Theft in California? Published:   February 13, 2026
  • What Does It Mean if a Debt Has Been Verified? Published:   February 6, 2026
  • Unauthorized Credit Card Transactions in CA Published:   October 5, 2022     Updated:   February 3, 2026
  • What Should I Do if There Was an Unauthorized Transaction on My Credit Card? Published:   April 27, 2022     Updated:   February 3, 2026
  • What Should I Do if My Spouse Stole My Identity in California? Published:   May 10, 2024     Updated:   February 3, 2026
  • What Can I Do if My Spouse Steals My Identity? Published:   November 1, 2024     Updated:   February 3, 2026
  • What Myths Around Identity Theft Are Most Common in San Luis Obispo? Published:   January 30, 2026
  • What Is Misrepresentation By a Debt Collector in California? Published:   January 23, 2026
  • What Romance Scams Are Most Common in California? Published:   January 16, 2026
  • What Can I Do if a Gym Sends Me to Collections in California? Published:   January 9, 2026
  • Is Connecting to Public Wi-Fi Actually Dangerous in California? Published:   January 2, 2026
  • Does My Social Media Presence Increase My Risk of Identity Theft? Published:   December 26, 2025
  • What Should I Know About Tradelines on My Credit Report? Published:   December 19, 2025
  • What Should I Do if I Was Sued By a Debt Collector? Published:   August 17, 2022     Updated:   December 16, 2025
  • What Happens if I Am Sued by a Debt Collector in CA? Published:   November 2, 2022     Updated:   December 16, 2025
  • What You Should Know When You’ve Been Sued By A Debt Collector Published:   January 27, 2022     Updated:   December 16, 2025
  • Why Should I Avoid Working With a Credit Repair Agency? Published:   August 16, 2024     Updated:   December 16, 2025
  • Should I Work With Credit Repair Companies in California? Published:   February 21, 2025     Updated:   December 16, 2025
  • Why Are Military Members More Prone to Identity Theft? Published:   December 12, 2025
  • How Can Credit Errors Impact Me Long Term in California? Published:   December 5, 2025
  • How Can an Eviction Impact My Credit Score in Arroyo Grande? Published:   November 28, 2025
  • Debt Collector Threatening to Sue? Know Your Rights in California Published:   November 26, 2025
  • Can a Debt Collection Lawsuit Go to Trial in California? Published:   November 21, 2025
  • Loker Law Secures Record-Breaking $20,100,000 Verdict Against Comenity Capital Bank Published:   November 19, 2025
  • What Should I Know About Credit Card Fraud in California? Published:   November 14, 2025
  • What Is Domestic Identity Fraud in California? Published:   October 26, 2022     Updated:   November 12, 2025
  • Negotiating with Debt Collectors in 2025 Published:   January 5, 2024     Updated:   November 12, 2025
  • Is It Possible to Negotiate With a Debt Collector in California? Published:   January 5, 2024     Updated:   November 12, 2025
  • Can Loan Scams Lead to Identity Theft in CA? Published:   November 7, 2025
  • What Should I Do if Served With an Information Subpoena? Published:   October 31, 2025
  • Stop Collection Calls: How to Handle Medical Bills in California Published:   October 28, 2025
  • What Can I Do if a Background Check Error Impacts My Career? Published:   October 24, 2025
  • Do I Need Identity Theft Insurance in California? Published:   October 17, 2025
  • California Identity Theft Victims: How to Fight Back Against Credit Bureau Violations Published:   October 15, 2025
  • How Do I Best Document Debt Collector Harassment in CA? Published:   October 10, 2025
  • What Is the Servicemembers’ Civil Relief Act? Published:   October 3, 2025
  • What Are Common Truth in Lending Act Violations? Published:   September 25, 2025
  • What Should You Do if Your Personal Information Is Exposed in a Data Breach? Published:   September 23, 2025
  • Can I Seek Damages for Identity Theft in California? Published:   September 19, 2025
  • What Is the Consumers Legal Remedies Act in California? Published:   September 12, 2025
  • Can a Debt Collector Talk to My Spouse in California? Published:   September 5, 2025
  • Are Credit Monitoring Services Worth It? Published:   August 29, 2025
  • When Companies Fail to Protect Your Data: A Legal Guide for Breach Victims Published:   August 26, 2025
  • What Should I Do After an Automatic Bill Pay Error in CA? Published:   August 22, 2025
  • What Should I Do After a Medical Data Breach in California? Published:   August 15, 2025
  • Why Did I Receive an Adverse Action Notice in the Mail? Published:   August 8, 2025
  • How Do Stolen Identities End Up on the Dark Web? Published:   August 1, 2025
  • What Are My Rights Regarding Background Checks in California? Published:   July 25, 2025
  • Is It Possible to Repair Credit as a Victim of Coerced Debt? Published:   July 18, 2025
  • What Are Some Important Consumer Protection Laws in California? Published:   July 11, 2025
  • Can My Credit Card Be Canceled Without Warning in California? Published:   July 4, 2025
  • How Identity Theft Can Affect Your Retirement Savings Published:   June 30, 2025
  • What Can I Do if a Paid Medical Bill Is Sent to Collections? Published:   June 27, 2025
  • What Should I Do if My Credit Report Says I’m Deceased? Published:   June 20, 2025
  • Can I Prevent a Data Breach as a Consumer? Published:   June 13, 2025
  • What Are the Most Common Credit Card Scams in California? Published:   June 6, 2025
  • What Is Permissible Purpose Under the FCRA? Published:   May 30, 2025
  • Common Identity Theft Scams in 2025: What You Need to Know Published:   May 29, 2025
  • Can I Vacate a Default Judgment in California? Published:   May 23, 2025
  • When Do I Need to Contact a Consumer Defense Attorney in CA? Published:   May 16, 2025
  • What Is My Credit Mix and How Does It Impact My Credit Score? Published:   May 9, 2025
  • What Should I Do About Unauthorized Credit Card Charges in CA? Published:   May 2, 2025
  • Correcting the Most Common Identity Theft Myths Published:   April 29, 2025
  • Do I Need to File a Debt Dispute Before an FDCPA Claim? Published:   April 25, 2025
  • How Do a Soft and Hard Inquiry Differ? Published:   April 18, 2025
  • Why Does My Child Have Debt Listed on Their Credit Report? Published:   April 11, 2025
  • What Are Junk Fees in California? Published:   April 4, 2025
  • What Is an Investigative Consumer Report? Published:   March 28, 2025
  • Help! My Ex Used My Credit Without Permission. What Are My Legal Options? Published:   March 26, 2025
  • What to Know About Fraudulent Credit Reporting in California Published:   April 13, 2022     Updated:   March 24, 2025
  • How Will a Charge-Off Impact My Credit? Published:   March 21, 2025
  • How Can Artificial Intelligence Contribute to Identity Theft? Published:   March 7, 2025
  • Can I Recover Actual Damages for Credit Errors? Published:   February 28, 2025
  • Identifying And Avoiding Common Credit Repair Scams Published:   February 18, 2025
  • Business Identity Theft: What California Business Owners Need to Know Published:   November 16, 2024     Updated:   February 16, 2025
  • Legal Options For Victims Of Child Identity Theft Published:   December 16, 2024     Updated:   February 16, 2025
  • Red Flags For Senior Identity Theft: What You Need To Know & What To Do Next Published:   January 16, 2025     Updated:   February 16, 2025
  • How Can I Minimize the Impact of Identity Theft on My Life in California? Published:   February 14, 2025
  • What Should I Include in My Credit Dispute Letter? Published:   February 7, 2025
  • What Is a FICO Credit Score? Published:   January 31, 2025
  • Does the FDCPA Apply to Original Creditors in California? Published:   January 24, 2025
  • Who Can Be Held Liable for Credit Report Errors? Published:   January 17, 2025
  • Who Handles Identity Theft Reports in California? Published:   January 10, 2025
  • What Should I Do As a Victim of Criminal Identity Theft in CA? Published:   January 3, 2025
  • What Impact Will Wage Garnishment Have On My Credit? Published:   December 27, 2024
  • What Role Does the Consumer Financial Protection Bureau Serve? Published:   December 20, 2024
  • If My Debt Enters Collections, What Does This Mean? Published:   December 13, 2024
  • Who Is Most At Risk for Identity Theft in California? Published:   December 6, 2024
  • What Happens if a Creditor Violates the Automatic Stay? Published:   November 29, 2024
  • What Are the Most Common Holiday Scams in California? Published:   November 22, 2024
  • What You Should Do About Domestic Identity Fraud in California Published:   January 26, 2022     Updated:   November 21, 2024
  • What You Should Do About An Inaccurate Credit Report in California Published:   January 28, 2022     Updated:   November 21, 2024
  • What Are My Options if I Am Facing an Unauthorized ATM Charge? Published:   July 13, 2022     Updated:   November 21, 2024
  • Unauthorized ATM Charges | What You Should Know Published:   April 20, 2022     Updated:   November 21, 2024
  • Digital Signature Fraud | What You Should Know Published:   March 30, 2022     Updated:   November 21, 2024
  • Steps to Take If Your Deceased Family Member’s Identity Is Stolen Published:   September 27, 2024     Updated:   November 21, 2024
  • Making Sense Of Credit Reporting Agencies, Combating Identity Theft, And Repairing Damages Published:   January 25, 2024     Updated:   November 21, 2024
  • Don’t Phall For Phishing Scams: Recognizing And Avoiding Fake Emails And Websites Published:   December 8, 2023     Updated:   November 21, 2024
  • Credit Fraud: Recognizing, Reporting, And Reclaiming Financial Security Is As Easy As 1…2…3 Published:   December 8, 2023     Updated:   November 21, 2024
  • What Is the Statute of Limitations for Debt in California? Published:   November 15, 2024
  • How Do I Stop Debt Collection Calls? Published:   November 8, 2024
  • Identity Theft And Online Shopping: What You Need To Know Published:   October 31, 2024
  • Is It Uncommon to Find a Credit Report Error? Published:   October 25, 2024
  • What Are Signs My Identity Has Been Compromised? Published:   October 18, 2024
  • What Are My Rights Under the TCPA? Published:   October 11, 2024
  • How Can Credit Report Errors Impact My Tenant Screening? Published:   October 4, 2024
  • What Are Common Debt Defense Options in California? Published:   September 27, 2024
  • How Can I Secure My Identity and Prevent Theft? Published:   September 20, 2024
  • What Identity Theft Scams Are the Elderly Often Vulnerable to in California? Published:   September 13, 2024
  • How Can I Remove a Closed Account on My Credit Report? Published:   September 6, 2024
  • Who Can Be Held Liable for FCRA Violations? Published:   August 30, 2024
  • 5 Warning Signs Your Identity Has Been Stolen Published:   August 29, 2024
  • What Should I Know About Debt Collector Misrepresentation? Published:   August 23, 2024
  • What Are Actual Damages in a Credit Reporting Lawsuit? Published:   August 9, 2024
  • What Information Should I Monitor After Identity Theft? Published:   August 2, 2024
  • Debunked: The Truth About The Most Common Credit Repair Myths! Published:   July 30, 2024
  • What Steps Should I Take After Data Breaches? Published:   July 26, 2024
  • Is There a Statute of Limitations for Debt Collection in California? Published:   July 19, 2024
  • What Steps Can I Take to Repair My Credit After Identity Theft in CA? Published:   July 12, 2024
  • What Are My Rights Under the Truth in Lending Act? Published:   July 5, 2024
  • Is There a Statute of Limitations to Report Identity Theft in CA? Published:   June 28, 2024
  • Countering The Unseen Enemy: The Urgency Of Identity Theft Protection Published:   June 26, 2024
  • Who Is Allowed to Request My Credit Report in California? Published:   June 21, 2024
  • When Do I Need to Contact a Credit Dispute Attorney in CA? Published:   June 14, 2024
  • What Should I Do if I’m a Victim of Unauthorized Bank Transfers? Published:   June 7, 2024
  • Outsmarting Identity Thieves: 9 Simple Strategies To Protect Your Personal Information Published:   May 31, 2024     Updated:   May 31, 2024
  • Are Some Credit Report Mistakes More Harmful Than Others? Published:   May 31, 2024
  • Should I Report Identity Theft to the Police in CA? Published:   May 24, 2024
  • If I Receive a Debt Collection Summons, What Should I Do? Published:   May 17, 2024
  • When Will My Credit Report Update With New Information? Published:   May 3, 2024
  • How Can Digital Signatures Be Compromised in California? Published:   April 26, 2024
  • What Should I Know About Rental Identity Theft in California? Published:   April 19, 2024
  • 3 R’s Of Credit Reporting: Rights, Responsibilities, And Recourse Published:   April 18, 2024     Updated:   April 18, 2024
  • If I’m a Victim of Debt Collector Harassment, Do I Have Rights? Published:   April 12, 2024
  • How Can I Fix Credit Report Errors in California? Published:   April 5, 2024
  • How Can Charity Scams Lead to Identity Theft in California? Published:   March 29, 2024
  • Top 9 Ways Identity Thieves Rip You Off And What You Can Do About It Published:   March 28, 2024     Updated:   March 28, 2024
  • What Are the Most Common Mistakes Made When Filing a Credit Dispute? Published:   March 22, 2024
  • What Long Term Impacts of Identity Theft Can Victims Endure? Published:   March 15, 2024
  • Can a Divorce Impact My Credit Score? Published:   March 8, 2024
  • What Should I Know About Zombie Debt? Published:   March 1, 2024
  • Taking A Stand: Debt Collector Abuse And Safeguarding Your Rights Published:   February 29, 2024     Updated:   February 29, 2024
  • What Should I Know About Fake Job Listings and Identity Theft in California? Published:   February 23, 2024
  • Why Would I Need to Sue a Credit Reporting Agency in California? Published:   February 16, 2024
  • How Can Computer Malware Lead to Identity Theft in California? Published:   February 9, 2024
  • When Can I Sue a Debt Collector in California? Published:   February 2, 2024
  • How Can Medical Identity Theft Impact Me in California? Published:   January 25, 2024
  • Fraud Alert vs. Credit Freeze: What Are the Differences? Published:   January 19, 2024
  • What Are the Penalties for Identity Theft in California? Published:   January 12, 2024
  • What Are the Most Common Kinds of Identity Theft? Published:   December 29, 2023
  • Can a Collector File a Debt Lawsuit Against Me? Published:   December 22, 2023
  • What Debt Collection Scams Should I Be Alert To in California? Published:   December 15, 2023
  • Can I Be Held Liable for My Spouse’s Credit Card Debt in California? Published:   December 8, 2023
  • What Are the Common Signs of Identity Theft California Consumers Should Know? Published:   December 1, 2023
  • How Often Do I Need to Check My Credit Report? Published:   November 24, 2023
  • What Does a Lawyer Do to Help Identity Theft Victims in California? Published:   November 17, 2023
  • What Should I Know About Artificial Intelligence Scams and My Credit Report? Published:   November 10, 2023
  • What Should I Know About Debt Collector Violations? Published:   November 3, 2023
  • My Credit Report Says I’m Deceased. What Do I Do? Published:   October 13, 2023
  • Why Does My Child Have Debt on Their Credit Report? Published:   October 6, 2023
  • Experian Mixed My Credit Report With Someone Else’s. What Can I Do? Published:   September 29, 2023
  • What Should I Know About Tax Identity Theft in California? Published:   September 22, 2023
  • What Should I Do if There’s an OFAC Alert on My Credit Report? Published:   September 15, 2023
  • How Can I Protect My Identity While Traveling? Published:   September 8, 2023
  • Why Was My Credit Report Dispute Denied in California? Published:   September 1, 2023
  • A Relative Stole My Identity. What Can I Do? Published:   August 25, 2023
  • Can I Sue for Compensation if I’m the Victim of FDCPA Violations? Published:   August 18, 2023
  • What Is Synthetic Identity Theft? Published:   August 11, 2023
  • What Can I Do if a Collector Cashes a Post-Dated Check Early in California? Published:   August 4, 2023
  • Is an Employer Responsible for Protecting a Worker’s Data? Published:   July 28, 2023
  • Can a Debt Collector Threaten to Sue Me in California? Published:   July 21, 2023
  • What Should I Know About Military Active Duty Alerts? Published:   July 14, 2023
  • What Is a Data Breach? Published:   July 7, 2023
  • Can I Sue a Collector for Pursuing Unauthorized Fees? Published:   June 30, 2023
  • What Should I Know About Phishing Scams? Published:   June 23, 2023
  • How Many Times Can a Debt Collector Call Me in One Day? Published:   June 16, 2023
  • What Are the Impacts of Identity Theft on California Victims? Published:   June 9, 2023
  • What Should I Do if Experian Won’t Fix a Mistake on My California Credit Report? Published:   June 2, 2023
  • What Steps Must I Take to Recover From Identity Theft? Published:   May 26, 2023
  • What Are the Most Common Credit Reporting Errors? Published:   May 19, 2023
  • What Federal Laws Help Protect Victims of Identity Theft? Published:   May 12, 2023
  • What Potential Damages Can I Recover in a Credit Report Lawsuit? Published:   May 5, 2023
  • Can I Sue a Debt Collector for Emotional Distress? Published:   April 28, 2023
  • Is There Any Way to Protect Myself From Online Identity Theft? Published:   April 21, 2023
  • When Should I Dispute an Item on My Credit Report? Published:   April 14, 2023
  • Who Is Most Vulnerable to Identity Theft? Published:   April 7, 2023
  • Can a Debt Collector Contact My Employer in California? Published:   March 31, 2023
  • What Are Payday Loans? Published:   March 24, 2023
  • What Can I Do if I’m a Victim of Debt Collection Abuse in California? Published:   March 17, 2023
  • Am I Responsible for My Divorced Spouse’s Debt in California? Published:   March 10, 2023
  • What Are Junk Debt Buyers? Published:   March 3, 2023
  • What Are the Main Differences Between Identity Theft and Credit Errors? Published:   February 24, 2023
  • What Are the Most Important Credit Laws I Should Know About? Published:   February 17, 2023
  • Are Debt Mills Legal in California? Published:   February 10, 2023
  • What is the Fair Debt Collection Practices Act? Published:   December 22, 2022     Updated:   February 3, 2023
  • What Should I Do if I’m a Victim of Credit Card Skimming? Published:   February 3, 2023
  • Are Debt Collectors Allowed to Knock on My Door? Published:   January 27, 2023
  • What Credit Report Errors Should I Look For? Published:   January 20, 2023
  • What Should I Do if a Debt Collector Is Trying to Collect a Debt I Don’t Owe? Published:   January 13, 2023
  • Can A Lawyer Help Me if I’m in Medical Debt? Published:   December 30, 2022
  • Can I Sue A Free Credit Score Company For Fraudulent Credit Reporting? Published:   December 16, 2022
  • What Can I Do to Protect Myself from Identity Theft? Published:   December 9, 2022
  • What Should I Do if I Discover an Unauthorized Bank Transfer? Published:   November 30, 2022
  • Debt Collection Harassment Statutes in CA | What to Know Published:   November 23, 2022
  • What Is Digital Signature Fraud in California? Published:   November 16, 2022
  • What if I Notice an Inaccurate Credit Report in CA? Published:   November 9, 2022
  • How Does the Electronic Funds Transfer Act Work in CA? Published:   October 19, 2022
  • What to Know About Inaccurate Credit Reporting in CA Published:   October 12, 2022
  • Unauthorized ATM Charges in CA | What to Do Published:   September 28, 2022
  • What to Know About Fraudulent Credit Reporting in CA Published:   September 21, 2022
  • What Is Senior Identity Theft in CA? Published:   September 14, 2022
  • What Is Debt Collection Harassment in CA? Published:   September 7, 2022
  • What Are My Options After Facing Digital Signature Fraud in CA? Published:   August 31, 2022
  • What Should I Do with an Inaccurate Credit Report in CA? Published:   August 24, 2022
  • What Should I Do if I Experienced Domestic Identity Fraud? Published:   August 10, 2022
  • How Can the Electronic Funds Transfer Act Protect Me? Published:   August 3, 2022
  • What Steps Should I Take if I Faced Inaccurate Reporting in CA? Published:   July 27, 2022
  • Unauthorized Transactions in California Published:   July 20, 2022
  • Fraudulent Credit Reporting in California | Your Options Published:   July 6, 2022
  • Senior Identity Theft in California | What to Know Published:   June 29, 2022
  • What is Debt Collection Harassment in California? Published:   June 22, 2022
  • What Should I Do if I Am a Victim of Digital Signature Fraud? Published:   June 15, 2022
  • Inaccurate Credit Reporting in California | Your Legal Options Published:   June 8, 2022
  • What to Know About Inaccurate Account Information Disputes in California Published:   May 4, 2022     Updated:   June 6, 2022
  • What is Senior Identity Theft in California? | What to Know Published:   April 6, 2022     Updated:   June 6, 2022
  • What to Know About Unauthorized Bank Transfers in California Published:   May 11, 2022     Updated:   June 6, 2022
  • What Are My Options if I Was Sued By a Debt Collector? Published:   June 1, 2022     Updated:   June 6, 2022
  • What should I do if I am a victim of domestic identity fraud? Published:   May 25, 2022     Updated:   June 6, 2022
  • What to Know About Inaccurate Credit Reporting in California Published:   May 18, 2022     Updated:   June 6, 2022