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.

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Recent Protecting Consumer Rights Blog Posts

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 >

Bankruptcy Discharge and your Credit Report

January 13, 2015

Reporting a bankruptcy on your credit report is a rather gray area for consumers, especially when a debt is sold to a debt buyer just before the bankruptcy filing.  While bankruptcy reporting and credit reports has been a fairly clear issue under the Fair Credit Reporting Act (“FCRA”) since the inception of the Act, debt buying and bankruptcy has been reviewed far less. More >

Collection Agency Represents Itself as Law Enforcement

December 24, 2014

Under the Fair Debt Collection Practices Act (“FDCPA”), a collection agency is prohibited from misrepresenting itself to a debtor when collecting a debt.  Specifically, a collector is forbidden from misrepresenting itself as a member of law enforcement, a government official or a lawyer.  While the law seems fairly straight forward, a recent case against Corrective Solutions filed in the United States District Court of California, raises the question of what exactly qualifies as a misrepresentation under the FDCPA.   More >

The CFPB 2014 Fall Report

December 24, 2014

This October, the Consumer Financial Protection Bureau (“CFPB”) released is Fall Highlights Report.  In its report, the CFPB describes areas in which its new rules have been successful and areas in which it needs improvement, as violations of the Fair Debt Collection Practices Act (“FDCPA”) are still a regular occurrence. More >

Consumer Obtains Judgment against Stillman Law Office

December 23, 2014

On September 29, 2014 we filed a lawsuit against the Law Offices of Michael Stillman, who does business as Stillman Law Office, on behalf of a consumer.  Instead of fighting, Stillman wisely conceded and allowed a judgment to be entered against it based upon the allegations in the complaint.  Another victory for consumers.More >

Bank of America to Pay Florida Couple $1 Million for Violating TCPA

December 19, 2014

In a Florida Court, a married couple were recently awarded $1 million for violations of the Telephone Consumer Protection Act (“TCPA”) after Bank of America continued to contact the consumers over a four year period for failure to make payment on their mortgage loan.  In the order, the Judge stated the repeated calls were a violation of the TCPA and ordered the bank to pay the couple $1,500 for every prerecorded message they received between 2009 and 2013.More >

Whole Foods Joins List of Employers Allegedly Violating FCRA

December 19, 2014

Whole Foods Market Group, Inc. (“Whole Foods”), the giant grocery retailer, is just one of the latest companies to be sued for allegedly violating the Fair Credit Reporting Act (“FCRA”) during employment background checks.  Earlier this year, in a California District Court, Whole Foods was sued for allegedly using invalid authorization forms during employment background checks and for conducting background checks during their online application process without first obtaining applicant approval.More >

10 Facts to Remember About Your Credit Report

November 26, 2014

Your credit report, which contains a running list of any credit accounts you hold, is a key component in your qualifications to receive a loan, a mortgage, a new credit card, even getting a job and renting an apartment.  Understanding how your credit report works is as easy as remembering these 10 simple facts so you are better prepared to get the credit you need and keep good credit. More >