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
Some of you fans of comedian John Oliver may have seen his recent ranting about the credit reporting industry. Indeed, Mr. Oliver’s commentary is hysterical, and he draws some rather wild comparisons. But beyond the entertainment is some rather startling information and facts about the industry, where it is today, and how it affects us. More >
With Tax Day just a few short days behind us, those who filed on time are more than likely already thinking about what they will get back. Statistics show that approximately two-thirds of Americans who file taxes on time will receive a refund. While most consumers make plans for how they are going to spend the money on vacations, home improvements, a new car…., consider using your income tax refund to improve your credit. More >
After 25 years since its inception, violations of the Telephone Consumer Protection Act (“TCPA”) continue to soar in 2016. This consumer minded statue has seen just over an 80% increase from 2015 and a 15% increase already this year. More >
Believe it or not, a visit to the doctor these days may result in more than a healthcare check. Healthcare providers today are checking more than just your well being, they also may be checking your credit. While the healthcare industry may claim they are accessing consumer credit files to determine whether or not a patient is eligible for discounted services, consumer advocates don’t believe the hype. More >
When disputing items on our credit reports, you may find that the credit bureaus and the creditors have determined that no change will me made on the credit report. The Fair Credit Reporting Act (“FCRA”) allows the right to place a 100 word statement on your credit report explaining any entries on the report and providing your own version of what the history of a particular account may be. But is that something you want to do?More >
When the letters and phone calls from collection agencies start coming in, avoidance may seem like the best option, but ignoring the communication will only work for a little while. Before you know it, you may start receiving court documents and eventually a notice of garnishment. Having a judgment against you, allowing a creditor or collector to garnish spells trouble for the consumer. More >
For most consumers, medical debt is one of the strongest sources of stress and is largely responsible for consumer bankruptcy filings in the United States. Medical debt can wipe out savings for even the most responsible consumer. Medical emergencies can appear out of nowhere and even one who saves and plans for their future may not be prepared for these unexpected expenses. According to the Consumer Financial Protection Bureau (“CFPB”), the government agency in charge of consumer protection in the financial marketplace, medical debt accounts for half of all debt reported to the credit reporting agencies and 1 in 5 consumers have unpaid medical debt reported on their credit report. More >
Understanding the credit reporting “lingo” is not always easy to understand and the terms and dates involved in reporting can be a little confusing. While each credit reporting agency has its own style of reporting, every single credit report has one common obligation, to report your information accurately.More >
Pulling a copy of your credit reporting in 2016 in an effort to get your finances in order can be downright scary. After a thorough review of your report, discovering that it is not perfect but riddled with errors and inaccuracies means it is time to lean on the Fair Credit Reporting Act (“FCRA”) and assert your rights to correct your report. Under the FCRA, you are entitled to dispute any and all inaccuracies with the credit reporting agencies and request an investigation of the information. Any agency receiving a dispute must respond within thirty days. Writing a good dispute letter to the credit reporting agencies does not have to be impossible when you follow these simple guidelines. More >