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

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 >

LinkedIn Sued for Violations of the FCRA (2)

November 26, 2014

Most LinkedIn users use their profiles as a networking tool when looking to change employment or make new business connections.  Despite its growing success, a group of members of this website have filed suit under the Fair Credit Reporting Act (“FCRA”) alleging that a tool called the “Reference Search” ruined their chances of getting hired by potential employers.More >

Debt Collection and the Elderly

November 19, 2014

The CPFB has warned Americans about the growing problem faced by the elderly, debt and abusive debt collectors.  Over the past two years, the CFPB has noticed a steady incline of complaints filed by older consumers regarding debt collection. More >

Collection Agency Deficiencies Found in the CFPB’s Fall Report

November 13, 2014

This fall, when the Consumer Financial Protection Bureau (“CFPB”) issued its latest report, it was quick to point out that violations are still occurring under the Fair Debt Collection Practices Act (“FDCPA”) and the Unfair Deceptive or Abusive Acts or Practices (“UDAAP”) relating to collection activities. More >

Collecting Interest After Charge-Off

November 05, 2014

In a victory to consumers, a federal appellate court has ruled that when a creditor charges off an account, discontinues sending monthly statements, and stops adding interest on the account, a debt collector that later takes on the account cannot put its own interest onto the account for all the time the debt was charged off.More >

Employment Background Checks and The FCRA (1)

October 30, 2014

For working consumers across the country, understanding that the Fair Credit Reporting Act ("FCRA") can protect you
during a job interview or throughout your employment, may help you get the job you need or keep you in the job you already have.  The FCRA, a consumer minded statute, enacted in the 1970s, provides protection for your credit reporting history can protect you during an employment background check.  More >