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

Debt Collection Affects Senior Citizens

May 13, 2015

As many consumers move into their senior years, adjusting their lifestyle to live on a fixed income after retirement I can be difficult.  No matter how much a retiree plans for their retirement, the cost of unforeseen living expenses can always occur including medical bills, prescription drugs and a rise in the cost of day to day living.  Given their vulnerability, seniors can often be an easy target for debt collectors.  Collectors can often take advantage of this group of people who are often uneducated on the law and living with the stress of mounting debt.  More >

The Big Apple to Limit Use of Background Reports (1)

May 04, 2015

Just this month, New York City submitted an amendment regarding the use of credit reports in employment background checks.  If the amendment is passed into law, it would make the use of credit reports by employers during an employment background check unlawful and considered discriminatory practice for hiring purposes.More >

Ten Facts You Need to Know to Build Your Credit

April 30, 2015

Working on improving your credit?  Boosting your credit can be as simple as understanding how a your credit score works and what to do to maintain good credit.  Here are 10 facts you should know about building and boosting your credit standing:More >

Department of Education to Stop Sending Accounts to 5 Collection Agencies

April 21, 2015

If you have ever been late on a student loan payment, then you know that the Department of Education uses collection agencies to collect its debts just like any other company.  If you have ever been the recipient  of student loan collection efforts, then you know that collection agencies can be pretty ruthless in their attempts to collect these debts, most likely because they are working for the government.  After numerous complaints regarding collection tactics, the U.S. Department of Education finally publicly cuts ties with at least 5 of its contracted collection agencies for behavior inconsistent with the Fair Debt Collection Practices Act (“FDCPA”).    More >

Making Monthly Payment Arrangements on your Debt

April 16, 2015

Being contacted by a debt collector can be a scary and definitely intimidating confrontation.  Consumers often times get nervous and agree to things that they would not normally agree to had they not been under duress.  A common request of collectors when a consumer pleads an inability to pay is a demand for post-dated checks or other payments that the collector will deposit or remove from the account over time.  Lately, collectors have been demanding that the consumer provide bank account routing information or a debt card number and will agree to withdraw payments monthly.  To the collector, a bank account number can provide more of a guarantee, even if there is no money for payment in the account at the time, that there will be some payments made toward the debt. More >

Bill Payment History Coming to a Credit Score Near You

April 08, 2015

It’s been a fairly regular complaint of consumers that they can’t seem to get a decent credit score because they have no credit.  Well, complain no more….in the next several months FICO score announced a program it will pilot that will include bill repayment history for utility bills, making it easier for millions of Americans to establish credit.   More >

Third Party Liability under the TCPA (2)

April 03, 2015

In recent years, the consumer industry has seen a great emergence of claims filed by consumers under the Telephone Consumer Protection Act (“TCPA”).  This statute was designed to protect consumers from unsolicited communication by limiting the use of automatic dialing systems, artificial or prerecorded voice messages, text messages and fax machines.More >