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.


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

Filing Bankruptcy and the FDCPA

October 21, 2014

Making the decision to file for bankruptcy can be a difficult choice for a consumer to make.  However sometimes it is the best choice.  The benefit of filing for bankruptcy is the "fresh start" you will receive after your debt has been discharged and can bring you a sense of calm when the calls and collection efforts come to an end.More >

Avoiding Identity Theft from the Point of Purchase (1)

October 16, 2014

Protecting yourself from identity theft starts the moment you decide to make a purchase.  Your actions when stepping up to a cash register to pay can mean the difference between becoming an identity theft victim or having your identity and buying power remain safely in your control.  Studies show that consumers are more likely to have their identity stolen by a store employee than by an outsider, so following a few simple rules can ensure your identity's safety. More >

Five Basic Rules of Dealing With Debt Collectors

October 14, 2014

If you are anything like thousands of Americans, you have missed a few payments here and there on your bills and have been contacted by a debt collector looking to make sure you to pay up.  Having a debt collector contact you is stressful, and if you don't know the basic rules of how to deal with debt collection you may put yourself at risk of paying more money that you
actually owe.More >

FDCPA Limits on the Envelope Containing a Collection Letter (1)

October 03, 2014

A recent court opinion held that a debt collector violates the Fair Debt Collection Practices Act when it places the account number on documents contained in an envelope so that it can be seen through the envelope window.  The FDCPA provides that a debt collector is prohibited from using "any language or symbol, other than the debt collector's address, on any envelope when communicating with a consumer by use of the mails." More >

How to Dispute a Credit Card Charge (1)

September 26, 2014

Have you ever received your monthly credit card statement and seen an error, billing discrepancy or charge
you are positive does not belong to you?  You do have a right to dispute the inaccuracy and request an
investigation. More >

Inquiries on your Credit Report

September 19, 2014

If you have ever taken a look at your credit report, you have probably noticed a section titled,  "Inquiries" at the end of the report.  Inquiries are requests made by a company to review your report for a variety of different reasons.  While most consumers understand that these inquiries can affect your credit score, the subject can still raise a lot of questions.More >

The FDCPA and is Application to Homeowners

September 10, 2014

Debt collectors collecting on mortgage loans have been sued under the Fair Debt Collection Practices Act ("FDCPA") for
violations of the statute.  If you are a home owner and have fallen behind on payments, you are more than likely aware
of the lengths a collector will go to collect a mortgage loan debt even at the risk of violating the law.More >

The FDCPA Top 10

September 03, 2014

So many more consuimers are aware today about the Fair Debt Collection Practices Act and the protections it provides.  Still, collector abuse continues to be on the rise, and knowing the law will insure you are not taken advantage of by a collector. More >

SmithMarco wins another Lemon Law trial

August 22, 2014

SmithMarco was taken to task by Nissan on a lemon law case, and once again, pulled off a victory for the consumer.  After a three day trial in Springfield, Illinois, a twelve person jury found in favor of the consumer, awarding her damage for her lemon vehicle.More >