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 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

Utilizing the Fair Credit Reporting Act

May 22, 2018

Experts say that one in three American consumers have never checked their credit report.  Considering the prevalence of the use of credit in our society, this number is quite astounding.  Are you one of the consumers who have never looked at your report to make sure that the reporting is accurate?  More >

Social Media and Employment Background Checks

April 27, 2018

Under the Fair Credit Reporting Act (“FCRA”), an employer cannot delve into your personal life without your permission.  When applying for a job or if you are currently employed, the law says employers need to seek your permission to conduct a background check.  The FCRA requires an employer to ask your permission to conduct a background check and get written confirmation.  More >

How to Dispute Incorrect Information on Your Credit Report

April 20, 2018

Tune into CAN TV’s “Credit Talk” to hear from SmithMarco’s very own attorney, Larry Smith. He discusses a variety of credit-related topics, including how to dispute incorrect information on your credit report, as is your right as a consumer. You are entitled to one free credit report each year from the three big credit reporting agencies, Equifax, TransUnion, and Experian to check the information on your credit report. You also have the right to request more details about the investigation into disputes on your credit report.More >

Protecting your Identity when Making Card Purchases

March 30, 2018

When out shopping, whether it’s the grocery store, a restaurant or  retailer, more than half of American consumers reach for their credit card or debit card when it comes time to make payment.  While using credit to make purchases is the simplest way to pay what you owe, it can also be the easiest way for your identity to be compromised. More >

Complete a Full Credit Check on Yourself

March 28, 2018

Under the Fair Credit Reporting Act (“FCRA”) you are entitled to know what is reporting on your credit file.  Credit reporting agencies provide your information to lenders, employers, landlords, banks, insurance companies, department stores and other entities.  So, to maintain your financial welfare, you need to know what they are reporting about you.  Experts say there are approximately 400 specialty credit reporting agencies in addition to the three main players, Experian, Equifax and Trans Union, that the average consumer is aware of. More >

Salary Information on your Credit Report

March 28, 2018

Checking your credit report is standard protocol for the average consumer.  Accessing your credit file to review the information reporting is essential to your financial well being. Did you know that in addition to account information, credit reporting agencies also collect salary information on consumers? More >

Who Is Really Reporting Your Credit Information

March 17, 2018

The average consumer is aware of the three big credit reporting agencies, Experian, Equifax, and Trans Union.  When applying for credit, most consumers are aware that lenders review your credit report to see if you are “credit worthy” before they decide whether or not to lend you money.  Most often, the reports being reviewed are from one or all of the big three.  However, there are dozens of other reporting companies that store your credit information and are sharing it with your potential lenders.More >

What Factors Make Up Your Credit Score

February 14, 2018

Your Credit Score is the number assigned to the information contained in your credit report.  Your Credit Score is the number used by lenders to make decision on whether or not to lend you money.  Your Credit Score is the number that allows you greater financial opportunities.  Your Credit Score is your “adult GPA.” Your Credit Score is the number you should care about and should work toward making it the highest and best number possible.More >

5 Steps to Cleaning Up Your Credit in 2018

February 07, 2018

A new year, a new opportunity to clean up your credit.  Make 2018 the year you address your finances.  Improve your credit and give yourself more opportunity and more cash in your pocket.  Cleaning up your credit is as simple as following these five steps.More >