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
For so many, the New Year is about starting over. A fresh start can include getting your finances in order. To begin this process, pulling a copy of your credit report for free should be at the top of your list. Under the Fair Credit Reporting Act (“FCRA”), the federal statute enacted to protect your consumer rights, you are entitled to one free copy of your credit report a year from each of the three credit reporting agencies. More >
This past October, SmithMarco took on a matter at trial against debt collector Creditors Collection Service. We were victorious in proving our client's case and recovering for her under the Fair Debt Collection Practices Act. Not satisfied with the result, the collector asked the court to overturn the jury's verdict. The court refused, locking up this victory for SmithMarco and our client. Here's what happened...More >
The New Year for so many is about resolutions and setting new goals for yourself, so why not put repairing your credit score at the top of your list? A good credit report can open many doors and provide new opportunities for you. If you are ready to take action and repair your credit, follow these steps for success and check this resolution off your list.More >
One of the most common credit reporting mistakes is a merged credit report. A merged credit report is a report that has someone else’s information reported on your credit file. It is not the result of fraud but a mistake by the credit reporting agency or your creditors causing your information to merge with that of another.More >
Considering one in four consumers has errors on their credit reports, checking your report is more important than ever. Your credit report can affect your financial well-being and ensuring its accuracy will guarantee that you get the best possible interest rates and credit available to you. There are several credit reporting mistakes that are more common than others. Below is a list of the top three mistakes to look for.More >
With the holiday season just around the corner, you have probably noticed an abundance of “pre-approved” credit card offers in your mailbox. But what does this mean? Are you really approved? Can you just start using the card? Should you start using the card? Today, credit card companies use marketing strategies to send out these pre-approved credit card offers to consumers with specific demographics, based on where you live, your age and your credit standing. However, it is important to know that while these offers may seem ideal, the offer is not a guarantee.More >
Consumer debtors can thank the Second Circuit for its ruling in Avila, et al. v. Riexinger & Associates, LLC, when the least sophisticated consumer standard got a little less sophisticated earlier this year. In this Fair Debt Collection Practices Act (“FDCPA”) case the court held that a debt collector cannot presume that a consumer understands the most elementary rules of debt collection.More >
As a responsible consumer trying to build your credit, you apply for a credit card with a low finance rate and you plan to pay off the balance in full every month. After all, one of the first rules of thumb for building your credit is to have a positive credit history. The only problem is, you cannot seem to get approved for a credit card that is desirable. Let’s look into the reasons why. More >
As a responsible consumer, you pull a copy of your credit report annually to review the information and make sure it is up to date and accurate. Studies show that 1 in 5 American consumers have errors on their credit report and need to embark on the dispute process to correct the inaccurate information. Under the Fair Credit Reporting Act (“FCRA”) you have the right to dispute the inaccurate information with the credit reporting agencies, but launching an investigation the wrong way could set you back. Making a mistake is more common than one would think. Below is a list of the top five most common mistakes made during the dispute process and tips on how to avoid them.More >