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
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 >
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 >
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 >
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 >
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 >
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 >
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 >
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 >
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 >