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

Making Monthly Payment Arrangements on your Debt

April 16, 2015

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 >

Bill Payment History Coming to a Credit Score Near You

April 08, 2015

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 >

Third Party Liability under the TCPA (2)

April 03, 2015

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 >

What a Debt Collector May be Hiding from You

March 27, 2015

When it comes to debt collection, most consumers are aware that once the constant phone calls and letters start coming, it is not the original creditor attempting to collect on your debt.  When you fail to make payment on your debt for an extended period of time, companies usually send the debt to a collection agency to collect for them or even sell the debt to the highest bidder.  Collection agencies often purchase debts for pennies on the dollar with the hope that they will make money when they collect the debt for much more than they purchased it for. More >

Debt Collection Complaints are not Diminishing in 2015 (1)

March 24, 2015

While its acceptance of complaints is fairly new, The Consumer Financial Protection Bureau (“CFPB”), stated this month that debt collection complaints rank Number 2 on its list.  Despite only accepting complaints beginning in the summer of 2014, debt collection has soared to the top of the list, falling just below mortgage servicing complaints.   And in the early returns of 2015, the numbers are not getting any smaller.More >

What is a Specialty Credit Report

March 18, 2015

Most consumers are aware that they have a credit report specific to them that tracks their credit history.  This report is prepared by a credit bureau and used by lenders and employers when determining a consumer’s creditworthiness.  These reports include essential information including personal data. The average consumer is aware of the three big credit reporting agencies, Trans Union, Experian and Equifax, distributing the information contained in a credit report, but did you know that there are specialty reports out there that you don’t get to see?More >

Class Action Alleges Trans Union Misled Consumers in Selling Credit Scores

March 11, 2015

So many consumers are concerned about their credit scores.  When we go to check our credit report, we are barraged with advertisements and warnings that we should check our credit score to see where we stand.  In one class action recently filed, it is alleged that the score purchased from Trans Union is useless as it is not the same score that the credit industry itself uses in determining a consumer's credit worthiness. More >

New Year and New Collection Complaints

March 04, 2015

As we finished up the second month of 2015, the Better Business Bureau (“BBB”), the nonprofit organization focused on establishing trust within the marketplace, has stated in a recent report that it is still focusing its efforts on fielding complaints from consumers regarding the debt collection industry.  While it shouldn’t come as a surprise, the BBB states in its report that the debt collection industry remains on top as one of the greatest number of consumer complaints received.   More >

Your Credit Report and the Job Application

February 25, 2015

Preparing your application for the perfect job is a vital step to landing an interview, but it is important to consider your credit report and make sure it is in good condition before your submit the application for the job you want.  Considering that most employers today are taking a long hard look at your credit report as part of the application process, focusing your attention on the state of your credit report is now more important that ever.More >