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.


Who has access to your Credit Report

Many Americans consider their credit information to be private information, and it should be. But who has access to your report and who protects your privacy? Read our latest blog post to find out.

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.

Past _due _img

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?

Justice _scale

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?

Piggy _bank

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

Consumers May Not be able to Revoke Consent to Calls Under TCPA

August 09, 2017

Earlier this month, the Second Circuit ruled in favor of the business world when it held in Reyes v. Lincoln Automotive Financial Services that a consumer cannot revoke consent to receive automated or prerecorded phone calls on a mobile device.  This is a harmful decision for consumers everywhere who are sick and tired of getting robo-dialed on their cell phones. More >

Record Verdict for Consumers Under Fair Credit Reporting Act

July 25, 2017

Just a few shorts weeks ago, the Northern District of California awarded the plaintiffs in the case of Ramirez v. Trans Union LLC, $60 million after holding that the defendant, credit reporting agency Trans Union, violated the Fair Credit Reporting Act (“FCRA”).  To date, this is the largest amount awarded by a jury to a consumer for violations of this statute.  More >

Credit Bureaus Making Changes to Comply with FCRA

July 18, 2017

The Fair Credit Reporting Act (“FCRA”), is the federal statute that was enacted to promote accuracy, fairness, and privacy of consumer information contained in the files of credit reporting agencies.  The purpose of this law is to protect consumers from the willful and/or negligent inclusion of inaccurate information in credit reports.  With this purpose in mind, the law regulates gathering, dissemination, and use of information by the credit reporting agencies and furnishers to ensure the accuracy of consumer information.  More >

Can Alternative Data Help You Get Credit?

June 28, 2017

When applying for credit, we know that we are likely to be subjected to the traditional credit search, where the potential creditor will check our credit history through one of the three main credit reporting agencies, Trans Union, Equifax and Experian.  However, for those who do not have an established credit history, there may be a road block to getting credit.  Can the use of "alternative data" help those with unestablished credit histories have a better chance in the marketplace? More >

A Guide to the Fair Credit Reporting Act

June 16, 2017

The Fair Credit Reporting Act, more commonly referred to as the FCRA, is the federal statute that was enacted to protect consumer rights in the credit reporting industry.  This law is a consumer minded statute that ensures accuracy and fairness in reporting and dissemination of your financial information.  The FCRA specifically outlines consumer rights but also sets guidelines for creditors, lenders and consumer reporting agencies. More >

Can Employers Make You Waive Rights When Doing a Background Check?

June 15, 2017

When going for an interview most employers want to conduct a background check.  Employers want to delve into you personal and financial history to ensure that if you ace your interview there is nothing lurking in your credit that may raise a red flag.  In order to conduct a background check, employers must receive your express consent and according to a recent decision in the Ninth Circuit court of appeals there is no way around it.More >

New FICO Scoring Model to Save Us from Medical Collections

June 06, 2017

As a consumer, understanding your FICO score is a useful tool to improving your credit.  FICO is the most common credit scoring model used by creditors and lenders to make a decision on whether or not to lend you money.  Because the lending industry is constantly changing, your FICO score needs to evolve too.More >

The Equal Credit Opportunity Act

May 12, 2017

The Equal Credit Opportunity Act is the statute enacted in 1974 that protects consumers from being discriminated against during a credit transaction based on race, color, religion, sex, marital status, age or use of public assistance.  The law applies to any entity who participates in making a credit decision such as banks, retail stores, credit unions, finance companies, etc. When a consumer is in a position to be concerned about their ability to receive credit because of a poor credit history, knowing the Equal Credit Opportunity Act (“ECOA”) is there to protect you from being discriminated against can give you peace of mind that you should have a fair chance at obtaining approval.More >

More of What you Need to Know About Your Credit Score

May 12, 2017

Your Credit Score is an important number to you.  It is calculated based on the information contained in your credit report; it is a number that tells lenders what type of consumer you are; a number that will decide whether or not you are approved for credit and at what rate; a number that may affect your ability to get a job.  The more you understand what makes up your credit score the more prepared you will be to increase it and have more financial opportunity.More >