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

Pre-Approved Credit Card Offers

December 09, 2016

With holiday season just around the corner, you have probably noticed an abundance of “pre-approved” credit card offers in your mailbox.  But what does this mean? Are you really approved?  Can you just start using the card? Should you start using the card?  Today, credit card companies use marketing strategies to send out these pre-approved credit card offers to consumers with specific demographics, based on where you live, your age and your credit standing.  However, it is important to know that while these offers may seem ideal, the offer is not a guarantee.    More >

The FDCPA and the Least Sophisticated Consumer Standard

November 17, 2016

Consumer debtors can thank the Second Circuit for its ruling in Avila, et al. v. Riexinger & Associates, LLC, when the least sophisticated consumer standard got a little less sophisticated earlier this year.  In this Fair Debt Collection Practices Act (“FDCPA”) case the court held that a debt collector cannot presume that a consumer understands the most elementary rules of debt collection.More >

Why Are You Getting Denied Credit Cards?

November 10, 2016

As a responsible consumer trying to build your credit, you apply for a credit card with a low finance rate and you plan to pay off the balance in full every month.  After all, one of the first rules of thumb for building your credit is to have a positive credit history.  The only problem is, you cannot seem to get approved for a credit card that is desirable.  Let’s look into the reasons why.   More >

The 5 Most Common Credit Report Dispute Mistakes

November 01, 2016

As a responsible consumer, you pull a copy of your credit report annually to review the information and make sure it is up to date and accurate.  Studies show that 1 in 5 American consumers have errors on their credit report and need to embark on the dispute process to correct the inaccurate information.  Under the Fair Credit Reporting Act (“FCRA”) you have the right to dispute the inaccurate information with the credit reporting agencies, but launching an investigation the wrong way could set you back.  Making a mistake is more common than one would think.  Below is a list of the top five most common mistakes made during the dispute process and tips on how to avoid them.More >

Different Credit Types and How They Affect Your Score

October 24, 2016

While there are multiple types of consumer credit scores, there must also be multiple types of credit.  Understanding that not all credit is the same is a good way to learn how to maintain a credit report that is in good standing.  You must carry a variety of credit to have good credit.  In other words, if you only have a few credit cards on your report, even if you make all of your payments on time, your credit score won’t be excellent.More >

Credit Cards Can Help Build Your Credit

October 14, 2016

Despite what you have been told, a credit card can actually help build your credit.  If you are committed to making timely payments every month and keeping your balances fairly low or non-existent, a credit card can successfully build your credit over time.  It can lead to better credit offers and more favorable terms with higher limits.More >

There is Not Just One Credit Score

September 29, 2016

Your credit can impact just about everything in your daily life.  It can impact the type of car you are able to purchase, the type of home you can buy and the type of job you are able to get.  Most lenders base their decision to extend you credit and at what rate on your credit score.  Further complicating matters, not all lenders look at the same score and use different credit scoring models to make a decision about your credit worthiness.  As discussed in previous blogs, a credit score is what results when your credit report is run through a mathematical equation – or algorithm – and a numerical value is the result.  Most consumers don’t know that there are a large number of different algorithms used depending upon the industry.More >

5 Myths About Employment Background Checks

September 20, 2016

Looking for a job today can be stressful with all of the competition for employment... The thought of a potential employer reviewing your credit report can add to your stress level.  Under the Fair Credit Reporting Act (“FCRA”), the federal statute enacted to protect consumers from unfair credit reporting, employers are permitted to review an employee’s or job applicant’s credit report with specific limitations set forth under the law.  While an employer is allowed to take a look into your financial history, it is not allowed to violate the law.  Over the years several myths have been created about what an employer can and cannot do.More >

The Difference Between a Credit Report and a Credit Score

September 12, 2016

If you don’t understand the difference between a credit report and a credit score, you are not alone.  While both are a measure of your financial well-being, your credit report is a history report of how you have handled your debts, both past and present, and your score assigns a number to that history.  Financial experts compare your credit report and credit score to a report card and grade point average.  The report card shows your classes and assigns a grade to each class based on your performance, and the grade point average takes your grades and calculates a number.More >