Protecting Consumer Rights - Presented By 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.
Recent Protecting Consumer Rights Blog Posts
The Fair Credit Reporting Act (“FCRA”), is the federal statute that was created to ensure accuracy and privacy of consumer information. Its purpose is to protect consumers from distribution of inaccurate information contained in reports as well as the privacy of their information. To this end, the FCRA sets guidelines on who can access a report and when the access is permissible. So when can anybody gan access to your credit report?...More >
As we get closer to holiday time – and holiday shopping, it’s a good idea to check your credit report before subjecting yourself to the multitude of credit applications we may be going through while trying to take advantage of the best holiday deals. Take the time to review your accounts and make sure your credit report is accurate. If your report is less than perfect, make sure the negative accounts are correctly reported and in fact belong to you. If your credit report shows collection accounts, following these five steps will help improve your credit and raise your score by 2016.More >
As the year is coming to a close, now is a better time than ever to order a copy of your credit report, especially consumers who have not taken advantage of their free copy from annualcreditreport.com. After receiving a copy of your report from all three credit reporting agencies, Equifax, Experian and Trans Union, and checking your report for errors, you may notice several inconsistencies among the three agencies for the same accounts. How is it possible…one consumer, same account, but different information? More >
Recent studies show that almost half of American consumers don’t check their credit report on a regularly basis, almost one third have never seen a copy of their report and over half don’t know what their credit score is. This number is frighteningly high considering the fact that your credit is essential to your financial well-being. With identity theft and other credit scams on the rise, reviewing your credit report is more important than ever to protect your finances and your future. More >
It is becoming more and more common practice for employers to conduct background checks of their current and potential employees. Background checks are helpful to employers who are looking for more information regarding a potential job applicant and a useful tool to monitor existing employees. While employers are entitled to perform background checks, they must follow protocol under the Fair Credit Reporting Act (“FCRA”).More >
What are the statute of limitations in my state? That is a question we hear every day from consumers who are facing a lawsuit or garnishment. But its usually the wrong question. Most consumers have the misconception that a statute of limitations is a limit of time that a collector or creditor can pursue collecting a debt. That is entirely untrue. So what is the "statute of limitations" and when should we be asking that question? More >
The Fair Debt Collection Practices Act (“FDCPA”) is the federal statute that was enacted to protect consumers from abusive collection tactics of debt collectors. Under the statute, only a debt collector can be liable for conduct that is in violation of the FDCPA. If a creditor is contacting you to collect a debt that you owe, the safety belt of the FDCPA will not protect you. However, The Federal Trade Commission (“FTC”), the agency of the US government responsible for promoting consumer protection, wants to change creditor liability. In a recent opinion, the FTC responded to an 11th Circuit holding that a bank may be not considered a debt collector for purposes of the statute. More >
Earlier this month the Consumer Financial Protection Bureau (“CFPB”), the agency in charge of regulating consumer protection in the finical sector, ordered two of the largest collection agencies in the country to pay a combined penalty of $79 million for violating debtors’ rights under the Fair Debt Collection Practices Act (“FDCPA”). The two collection agencies Encore Capital Group (“Encore”) and Portfolio Recovery Associates, (“Portfolio”) must pay both refunds and penalties to its debtors and cease collection efforts on debts totaling $128 million.More >
Building your credit score may seem like an impossible feat. In a world where consumers live and survive on credit, when you have none or have negative credit, buying necessities can be difficult. Using a credit card is a sure fire way to improve or damage your score, depending on how you manage it. While improving your credit score with a credit card may take a decent amount of time and effort, following these steps will ensure your success. More >