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

Paying for Credit Repair

May 24, 2016

All too often consumers ask about credit repair…is it worthwhile, what does it cost, should I sign up?  Credit repair is a service provided by a company that helps consumers remove unwanted and inaccurate information from their credit file to help improve credit reports.  Consumers can hire a company to clean their credit or just as easily can sign up to do the work themselves.More >

How Your Credit Score Affects Your Everyday Life

May 20, 2016

Your credit report and credit score are more than just a piece of paper and number.  Your information can affect your day to day activity and your financial wellbeing.  Good credit will earn your favorable interest rates, a better apartment, a larger mortgage loan, better credit cards, insurance…the list is endless.  More >

How Long Can Negative Marks Appear on Your Credit Report

May 06, 2016

Negative accounts on your credit file may seem like an everlasting problem.  While it feels like an eternity before these delinquent accounts come off your report and are no longer haunting your credit score, acquainting yourself with the Fair Credit Reporting Act (“FCRA”) will ensure the information is removed in a timely fashion.  More >

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 >