About Us...


We Serve Consumers
Since 1979, we have represented the underdog.

Attorney Eric F. Fagan Mr. Fagan graduated Magna Cum Laude from the Irvine University School of Law in Southern California in 1979, and began practicing real estate law. In 1995, he turned his practice over to two of his sons, Craig and Stuart. From there his separate practice gradually evolved to that of handling cases where consumers had been treated badly by commercial entities. Mr. Fagan has been admitted to practice before all four Federal District courts in California, the Federal District Court of Alaska, the Eastern Federal District Court of Michigan, the Federal District Court of Nevada, and the Eastern and Western District Courts of Wisconsin. He is also admitted to the Ninth Circuit Court of Appeals, the U.S. Tax Court, the Supreme Court of California, and the U.S. Supreme Court. He is currently a member of the San Diego Bar Association, the California State Bar Association, and the National Association of Consumer Advocates. He is also the author of "How to Defend Your Own Civil Suit, a do-it-yourself manual for consumers," and the creator of "Defending Collection Lawsuits," an all-day seminar to teach attorneys winning skills in this arcane area of law. To develop his trial skills, Mr. Fagan attended intensive workshops at the University of Virginia School of Law (The Conduct of Jury Trials) and the University of California, Hastings College of the Law (Jury Selection). Attorney Jeremy S. Golden Mr. Golden brings a superb scholastic background to the table. He graduated from the University of Wisconsin near the top of his class with a double major in Journalism and Political Science. He was also a member of the Golden Key National Honors Society. He passed through Santa Clara University School of Law constantly on the Dean’s list, finishing with a GPA of 3.71 in the top 15% of his class. He received honors as a Moot Court Board Member and Competitor. Mr. Golden has been admitted to practice before the Southern, Central, and Northern Federal District courts in California, and is a member of the California State Bar Association and the San Diego Bar Association. Mr. Golden’s major recent achievement in law was to participate on the winning side in Arroyo v. The City of San Diego which resulted in a $1,325,000 verdict for a police officer victimized by racial discrimination and retaliation. Mr. Golden's successful opposition to summary judgment motions in Walker v. Escondido Union High School District, Hare v. The Zoological Society of San Diego, Brister v. Copley Press, Inc., Oei v. N. Star Capital Acquisitions, Yee v. Ventus Capital, Real Time Resolutions v. Cabrera, GCFS v. Yakar, Resurgence v. Tyson, and Mitchell v. The City of San Diego clearly evidence his exceptional legal writing skills. Mr. Golden commands experience in all aspects of litigation in state and federal courts. His expertise has extended to advising multi-national corporations on how to protect their trademarks in a foreign country. He has gained a wealth of experience in marketing law, securities law, privacy law and intellectual property law issues that coalesce to the benefit of consumers faced with today's sea of economic predators.

Attorney Octavio Cardona-Loya II

Mr. Cardona-Loya carries excellent academic credentials. He graduated Magna Cum Laude from the University of San Diego with a double major in Political Science and Sociology. He achieved the distinctions of being on the National Dean’s List and a member of Phi Beta Kappa. He was also accepted to Pi Sigma Alpha and Alpha Kappa Delta - Political Science and Sociology Honor Societies.

He graduated Cum Laude from California Western School of Law where was on the Dean’s Honor List. In numerous courses he scored consistently in the 90th percentile.

Mr. Cardona-Loya brings considerable experience in Consumer Law, along with an easy familiarity with Immigration Law and related issues. He is a member of the California State Bar Association and the San Diego Bar Association.

Mr. Oudom brings considerable litigation experience to the firm, having litigated various types of legal matters, including personal injury, construction defect, business litigation, contract dispute, and bankruptcy. Most notably, he played a critical role in obtaining a multi-million dollar settlement against developers in a class action construction defect case involving nearly 300 homes. He now concentrates his practice in the field of consumer law.

He received his Bachelor of Science degree in Political Science from the University of California at San Diego. He earned his law degree from Rutgers University School of Law in New Jersey, where he was a recipient of the Austin Scott Scholarship. During his time at Rutgers, he served as an associate editor on the Rutgers Law Record and held leadership offices in other student organizations.

Mr. Oudom is currently a member of the State Bar of California, the American Bar Association, and the San Diego County Bar Association. He is admitted to practice in all state courts in California and the United States District Court for the Southern District of California.

Further, he has attended numerous seminars and MCLE events in order to absolutely stay on top of the latest laws and litigation strategies, and to continually further hone and perfect his already outstanding litigation and trial skills.



Attorney Susan Hartman

Attorney Elizabeth Arleo, Of Counsel

The Future

Our firm focuses solely on three narrow areas of law that are becoming increasingly important to the consumer. The first is representation of individuals who have been sued by companies that buy up old debt. The second is that of curtailing harassment of clients by debt collection firms and collection attorneys. Seldom does a client deliberately decide not to pay his or her bills. But circumstances force many people to the brink of financial ruin.

The third area is that of representing owners facing foreclosure. We negotiate loan modifications with lenders to allow the owner to keep the keys to his property. The lender comes out much further ahead than if it foreclosed.

We constantly hone our legal tools to help our clients get back on their feet without having to declare bankruptcy.


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