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

Everything You Need to Know about your Free Credit Report

January 24, 2017

For so many, the New Year is about starting over.  A fresh start can include getting your finances in order.  To begin this process, pulling a copy of your credit report for free should be at the top of your list.  Under the Fair Credit Reporting Act (“FCRA”), the federal statute enacted to protect your consumer rights, you are entitled to one free copy of your credit report a year from each of the three credit reporting agencies.  More >

Smith Marco Trial Victory Gets Upheld

January 23, 2017

This past October, SmithMarco took on a matter at trial against debt collector Creditors Collection Service.  We were victorious in proving our client's case and recovering for her under the Fair Debt Collection Practices Act. Not satisfied with the result, the collector asked the court to overturn the jury's verdict.  The court refused, locking up this victory for SmithMarco and our client.  Here's what happened...More >

Resolve This Year to Improve your Credit Score

January 16, 2017

The New Year for so many is about resolutions and setting new goals for yourself, so why not put repairing your credit score at the top of your list?  A good credit report can open many doors and provide new opportunities for you.  If you are ready to take action and repair your credit, follow these steps for success and check this resolution off your list.More >

Correcting A Merged Credit Report

January 12, 2017

One of the most common credit reporting mistakes is a merged credit report.  A merged credit report is a report that has someone else’s information reported on your credit file.  It is not the result of fraud but a mistake by the credit reporting agency or your creditors causing your information to merge with that of another.More >

The Most Common Credit Reporting Errors

December 21, 2016

Considering one in four consumers has errors on their credit reports, checking your report is more important than ever.  Your credit report can affect your financial well-being and ensuring its accuracy will guarantee that you get the best possible interest rates and credit available to you.  There are several credit reporting mistakes that are more common than others.  Below is a list of the top three mistakes to look for.More >

Pre-Approved Credit Card Offers

December 09, 2016

With the holiday season just around the corner, you have probably noticed an abundance of “pre-approved” credit card offers in your mailbox.  But what does this mean? Are you really approved?  Can you just start using the card? Should you start using the card?  Today, credit card companies use marketing strategies to send out these pre-approved credit card offers to consumers with specific demographics, based on where you live, your age and your credit standing.  However, it is important to know that while these offers may seem ideal, the offer is not a guarantee.More >

The FDCPA and the Least Sophisticated Consumer Standard

November 17, 2016

Consumer debtors can thank the Second Circuit for its ruling in Avila, et al. v. Riexinger & Associates, LLC, when the least sophisticated consumer standard got a little less sophisticated earlier this year.  In this Fair Debt Collection Practices Act (“FDCPA”) case the court held that a debt collector cannot presume that a consumer understands the most elementary rules of debt collection.More >

Why Are You Getting Denied Credit Cards?

November 10, 2016

As a responsible consumer trying to build your credit, you apply for a credit card with a low finance rate and you plan to pay off the balance in full every month.  After all, one of the first rules of thumb for building your credit is to have a positive credit history.  The only problem is, you cannot seem to get approved for a credit card that is desirable.  Let’s look into the reasons why.   More >

The 5 Most Common Credit Report Dispute Mistakes

November 01, 2016

As a responsible consumer, you pull a copy of your credit report annually to review the information and make sure it is up to date and accurate.  Studies show that 1 in 5 American consumers have errors on their credit report and need to embark on the dispute process to correct the inaccurate information.  Under the Fair Credit Reporting Act (“FCRA”) you have the right to dispute the inaccurate information with the credit reporting agencies, but launching an investigation the wrong way could set you back.  Making a mistake is more common than one would think.  Below is a list of the top five most common mistakes made during the dispute process and tips on how to avoid them.More >