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
As many consumers move into their senior years, adjusting their lifestyle to live on a fixed income after retirement I can be difficult. No matter how much a retiree plans for their retirement, the cost of unforeseen living expenses can always occur including medical bills, prescription drugs and a rise in the cost of day to day living. Given their vulnerability, seniors can often be an easy target for debt collectors. Collectors can often take advantage of this group of people who are often uneducated on the law and living with the stress of mounting debt. More >
Just this month, New York City submitted an amendment regarding the use of credit reports in employment background checks. If the amendment is passed into law, it would make the use of credit reports by employers during an employment background check unlawful and considered discriminatory practice for hiring purposes.More >
Working on improving your credit? Boosting your credit can be as simple as understanding how a your credit score works and what to do to maintain good credit. Here are 10 facts you should know about building and boosting your credit standing:More >
If you have ever been late on a student loan payment, then you know that the Department of Education uses collection agencies to collect its debts just like any other company. If you have ever been the recipient of student loan collection efforts, then you know that collection agencies can be pretty ruthless in their attempts to collect these debts, most likely because they are working for the government. After numerous complaints regarding collection tactics, the U.S. Department of Education finally publicly cuts ties with at least 5 of its contracted collection agencies for behavior inconsistent with the Fair Debt Collection Practices Act (“FDCPA”). More >
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 >