What you need to know about Fair Debt Collection

You have rights when a debt collector is pursuing you. The Fair Debt Collection Practices Act was created to promote fair debt collection procedures and to protect consumers against debt collection abuses. Learn more.

What to do with errors on Your Credit Report

You have the right to have your credit report accurately reflect your credit history.  If your credit report contains inaccuracies that are causing you harm in obtaining credit, employment or insurance, the Fair Credit Reporting Act provides relief for consumers.


Error on your Employment Background Report?

If you've had an inaccuracy on your employment background report, you are protected by the Fair Credit Reporting Act. Find out more about false employment reports and know your rights.

Are you the victim of Consumer Fraud

Have you been duped into purchasing a vehicle based upon misrepresentations from the dealer as to the history of the vehicle?  Dealerships will hide previous accident history or other undesirable history of a vehicle to make a sale.  You have rights against those who commit consumer fraud.

Have You Bought a Lemon

If your new vehicle has been subject to multiple repairs for a defect, you may have purchased a lemon.  If you did, you have rights.  Learn more about your protection under the lemon laws.


Who has access to your Credit Report

Many Americans consider their credit information to be private information, and it should be. But who has access to your report and who protects your privacy? Read our latest blog post to find out.

Protecting Consumer Rights - Presented By SmithMarco, P.C.

SmithMarco, P.C.

SmithMarco, P.C. is a private law firm dedicated to representing consumers and protecting their rights. Managing partners Larry Smith and David Marco have been practicing consumer protection for over 35 years combined, and have successfully defended consumers in thousands of cases. They are experienced debt collection practices act attorneys and credit report and background dispute lawyers who can ensure that your rights are protected, debt collector harassment stops, and that credit and background report errors are corrected depending on your needs.

If you feel your rights have been violated in regards to debt collection, credit report errors, background check errors, consumer fraud, or lemon laws, please do not hesitate to contact us for a free case review or give us a call at 888-822-1777.

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You have rights as a consumer!

Even though you may be behind in your bills, it does not give a bill collector the right to harass or abuse you for payment.  As a debtor, you have rights.  Find out what a debt collector can and cannot do, or what they must tell you when trying to collect a debt.  If your consumer rights have been violated, we can help.

Are you a victim?

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The law is on your side.

There are laws written to protect consumers from unscrupulous debt collection practices.  Overreaching and abusive practices are not allowed.  In addition, there are consumer laws that provide for assistance in dealing with the burden of paying an attorney to help you with this problem. Let us see if we can help you with abusive collection practices.

Free Case Review?

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You may be entitled to compensation.

Under the Fair Debt Collection Practices Act, you may be entitled to compensation as the law provides for a recovery of up to $1,000.  The law also provides for the recovery of attorneys fees and court costs.  We offer a free case review to determine if your FDCPA consumer rights were violated.  Contact us to discuss your situation.

Find an Attorney

Recent Protecting Consumer Rights Blog Posts

John Oliver Gets it Right about the Credit Industry

April 28, 2016

Some of you fans of comedian John Oliver may have seen his recent ranting about the credit reporting industry.  Indeed, Mr. Oliver’s commentary is hysterical, and he draws some rather wild comparisons.   But beyond the entertainment is some rather startling information and facts about the industry, where it is today, and how it affects us.  More >

Using your Tax Refund to Boost your Credit Score

April 22, 2016

With Tax Day just a few short days behind us, those who filed on time are more than likely already thinking about what they will get back.  Statistics show that approximately two-thirds of Americans who file taxes on time will receive a refund.  While most consumers make plans for how they are going to spend the money on vacations, home improvements, a new car…., consider using your income tax refund to improve your credit.  More >

TCPA (Robo Call) Cases on the Rise

April 07, 2016

After 25 years since its inception, violations of the Telephone Consumer Protection Act (“TCPA”) continue to soar in 2016.  This consumer minded statue has seen just over an 80% increase from 2015 and a 15% increase already this year.  More >

Is Your Doctor Pulling your Credit Report?

March 29, 2016

Believe it or not, a visit to the doctor these days may result in more than a healthcare check.  Healthcare providers today are checking more than just your well being, they also may be checking your credit.  While the healthcare industry may claim they are accessing consumer credit files to determine whether or not a patient is eligible for discounted services, consumer advocates don’t believe the hype.  More >

Adding a Consumer Statement on your Credit Report

March 17, 2016

When disputing items on our credit reports, you may find that the credit bureaus and the creditors have determined that no change will me made on the credit report.  The Fair Credit Reporting Act (“FCRA”) allows the right to place a 100 word statement on your credit report explaining any entries on the report and providing your own version of what the history of a particular account may be.  But is that something you want to do?More >

Debt Collection and Garnishments

March 15, 2016

When the letters and phone calls from collection agencies start coming in, avoidance may seem like the best option, but ignoring the communication will only work for a little while.  Before you know it, you may start receiving court documents and eventually a notice of garnishment.  Having a judgment against you, allowing a creditor or collector to garnish spells trouble for the consumer. More >

Handling Your Medical Debt

March 02, 2016

For most consumers, medical debt is one of the strongest sources of stress and is largely responsible for consumer bankruptcy filings in the United States.  Medical debt can wipe out savings for even the most responsible consumer.  Medical emergencies can appear out of nowhere and even one who saves and plans for their future may not be prepared for these unexpected expenses.  According to the Consumer Financial Protection Bureau (“CFPB”), the government agency in charge of consumer protection in the financial marketplace, medical debt accounts for half of all debt reported to the credit reporting agencies and 1 in 5 consumers have unpaid medical debt reported on their credit report.  More >

Understanding Accounts on Your Credit Report

March 02, 2016

Understanding the credit reporting “lingo” is not always easy to understand and the terms and dates involved in reporting can be a little confusing.  While each credit reporting agency has its own style of reporting, every single credit report has one common obligation, to report your information accurately.More >

Write a Good Dispute on Your Credit Report

February 11, 2016

Pulling a copy of your credit reporting in 2016 in an effort to get your finances in order can be downright scary.  After a thorough review of your report, discovering that it is not perfect but riddled with errors and inaccuracies means it is time to lean on the Fair Credit Reporting Act (“FCRA”) and assert your rights to correct your report.  Under the FCRA, you are entitled to dispute any and all inaccuracies with the credit reporting agencies and request an investigation of the information.  Any agency receiving a dispute must respond within thirty days.  Writing a good dispute letter to the credit reporting agencies does not have to be impossible when you follow these simple guidelines.  More >