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 Fair Debt Collection Practices Act attorneys and credit report and background dispute lawyers who can ensure that your rights are protected, that debt collector harassment stops, and that credit and background report errors are corrected depending on your needs. Learn more about some of their trial victories here.

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

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 >

Credit Problems for the Military

May 12, 2017

For the average American consumer, managing your credit can be difficult.  Add military personnel to your resume and imagine the stress deployment can cause on your finances.  Being in the military can mean constant movement and deployment, making it difficult to pay your bills and watch over your credit responsibly.  When deployment is over, transitioning back into everyday life can result in financial challenges for most veterans along with the physical, emotional, and mental stress that ex-military deal with.More >

New Credit Dispute Options

April 25, 2017

Under the Fair Credit Reporting Act, the statute enacted to protect consumers and promote accuracy, fairness, and privacy of consumer information, consumers are entitled to one free credit report annually from each of the three big credit reporting agencies.  The purpose of this recent amendment to the statute is to make a free report available to all consumers to allow them to review their report and ensure its accuracy.More >

Employment Background Checks - No Avoiding the Law

April 13, 2017

Earlier this year, the U.S. Court of Appeals was forced to review a question that had never before been considered by an appellate court relating to the Fair Credit Reporting Act (“FCRA”) and its rules regarding employment background checks.  Under the law, employers looking to use an applicant’s credit report to aid in a hiring decision must follow the rules laid out under the Fair Credit Reporting Act.More >

Are You Putting Your Credit At Risk?

April 13, 2017

As a consumer, you must be aware of how your credit and credit score can impact your financial worthiness and affect your everyday living.  Without good credit you risk paying more for your credit cards, mortgage loans and insurance as well as risk getting a job.  Experts say that despite the importance of your credit, only approximately two thirds of consumers have checked their credit in the past year and one fifth of consumers have never checked their credit.  Considering that almost 20% of credit reports contain errors, this number is concerning.  Checking your credit can save you money and will keep you on top of your finances.More >

Credit Report vs. Credit Score

March 24, 2017

Your credit report and credit score are two different things. While consumers often refer to them as one and the same, they really are two separate entities.  While both items are related to your credit and financial worthiness, your report is a summary of your credit history and your score is a number assigned to your history based upon a mathematical equation that values certain aspects of your credit history.  Many experts refer to your credit report as a report card and your credit score as your grade point average or GPA.More >

Everything you Need to Know about Credit Reporting

March 06, 2017

If you are in the market to make a big purchase, open a bank account, apply for an auto loan, mortgage, credit card, insurance or even get a new job, then you need to be intimately familiar with your credit report.  Your credit report is basically a sales pitch that tells lenders who you are, how you pay or don’t pay and what you owe.  The following is an explanation of why your credit report and credit score are so important to your financial well-being.More >

Understanding Credit Utilization

February 24, 2017

When reviewing a credit report, consumers need a basic understanding of the elements used to calculate a score.  When using the Fair Isaac Corporation (“FICO”), the most widely used and well known credit scoring system, there are five different factors used to determine a score with each factor contributing a different percentage to your overall number.More >