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
Being contacted by a debt collector can be a scary and definitely intimidating confrontation. Consumers often times get nervous and agree to things that they would not normally agree to had they not been under duress. A common request of collectors when a consumer pleads an inability to pay is a demand for post-dated checks or other payments that the collector will deposit or remove from the account over time. Lately, collectors have been demanding that the consumer provide bank account routing information or a debt card number and will agree to withdraw payments monthly. To the collector, a bank account number can provide more of a guarantee, even if there is no money for payment in the account at the time, that there will be some payments made toward the debt. More >
It’s been a fairly regular complaint of consumers that they can’t seem to get a decent credit score because they have no credit. Well, complain no more….in the next several months FICO score announced a program it will pilot that will include bill repayment history for utility bills, making it easier for millions of Americans to establish credit. More >
In recent years, the consumer industry has seen a great emergence of claims filed by consumers under the Telephone Consumer Protection Act (“TCPA”). This statute was designed to protect consumers from unsolicited communication by limiting the use of automatic dialing systems, artificial or prerecorded voice messages, text messages and fax machines.More >
When it comes to debt collection, most consumers are aware that once the constant phone calls and letters start coming, it is not the original creditor attempting to collect on your debt. When you fail to make payment on your debt for an extended period of time, companies usually send the debt to a collection agency to collect for them or even sell the debt to the highest bidder. Collection agencies often purchase debts for pennies on the dollar with the hope that they will make money when they collect the debt for much more than they purchased it for. More >
While its acceptance of complaints is fairly new, The Consumer Financial Protection Bureau (“CFPB”), stated this month that debt collection complaints rank Number 2 on its list. Despite only accepting complaints beginning in the summer of 2014, debt collection has soared to the top of the list, falling just below mortgage servicing complaints. And in the early returns of 2015, the numbers are not getting any smaller.More >
Most consumers are aware that they have a credit report specific to them that tracks their credit history. This report is prepared by a credit bureau and used by lenders and employers when determining a consumer’s creditworthiness. These reports include essential information including personal data. The average consumer is aware of the three big credit reporting agencies, Trans Union, Experian and Equifax, distributing the information contained in a credit report, but did you know that there are specialty reports out there that you don’t get to see?More >
So many consumers are concerned about their credit scores. When we go to check our credit report, we are barraged with advertisements and warnings that we should check our credit score to see where we stand. In one class action recently filed, it is alleged that the score purchased from Trans Union is useless as it is not the same score that the credit industry itself uses in determining a consumer's credit worthiness. More >
As we finished up the second month of 2015, the Better Business Bureau (“BBB”), the nonprofit organization focused on establishing trust within the marketplace, has stated in a recent report that it is still focusing its efforts on fielding complaints from consumers regarding the debt collection industry. While it shouldn’t come as a surprise, the BBB states in its report that the debt collection industry remains on top as one of the greatest number of consumer complaints received. More >
Preparing your application for the perfect job is a vital step to landing an interview, but it is important to consider your credit report and make sure it is in good condition before your submit the application for the job you want. Considering that most employers today are taking a long hard look at your credit report as part of the application process, focusing your attention on the state of your credit report is now more important that ever.More >