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.

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

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 >

What a Lender is Looking at When Reviewing your Credit Report (1)

February 13, 2015

Walking into a bank, car dealership or applying for a mortgage loan can cause most consumers a great deal of stress, especially if you know your credit report is filled with negative information such as late payments, collection accounts or excessive balances.  Most consumers are aware of what information looks bad on a credit report and what it takes to get a loan based on their report.  But do you really know what the lenders are looking at when they pull your report? More >

Collection Accounts and Your Credit Report

February 06, 2015

So many consumers confuse the statute of limitations and the amount of time a collection account can remain on a credit report (two separate matters), I feel the subject is worthy of a discussion.   This week’s post will focus on collections and your credit report. More >

What is a Statute of Limitations

January 30, 2015

A statute of limitations is a law that provides the period of time in which one can sue another for a loss.  In the world of debt collection, the kind of case that is typically brought by creditor against collector is a breach of contract case. Thus, the important issue for the consumer is what the statute of limitations is for a breach of contract in their state. More >

Scam Collectors Target Illinois Residents

January 21, 2015

Payday loan giant, Advance America, that it recently has become a target of scam debt collectors.  This scam is being carried out by individuals posing as representatives of the company looking to collect “unpaid” debts from unsuspecting consumers and offering fictitious pre-approved loans for a small fee.More >