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.

Past _due _img

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?

Justice _scale

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?

Piggy _bank

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

When the Credit Bureaus Report you as Deceased (1)

July 02, 2015

Errors on a credit report seem to be fairly common to the average consumer; inaccurately reported payment histories, accounts that don’t belong to you, inaccurate personal information, etc.  But what happens when the credit reporting agencies report you as deceased essentially eliminating your entire credit history, when you are still very much alive?  It is not entirely uncommon for a credit reporting agency to make this mistake and for a consumer to apply for credit and be turned down because they are “deceased”.  More >

Pay Pal Changing its Ways to Comply with the TCPA

June 23, 2015

The Telephone Consumer Protection Act (“TCPA”) is the law that was enacted to protect consumers from the ever growing trend of receiving robo calls, prerecorded messages and texts messages made by telemarketers and debt collectors.  PayPal, the giant company that provides a service enabling consumers to pay, send money, and accept payments without revealing their financial details, is protecting itself from violating the TCPA.  Earlier this month Pay Pal introduced a new agreement for consumers to sign allowing the company to contact them by using robo calls and sending text messages to its users.  More >

The Truth About your Credit Report

June 12, 2015

When it comes to the subject of your credit report, there is a great amount of controversy making it difficult for consumers to decide who and what to believe. While  almost everyone has their own opinion on how to interpret a credit report, below is a list of truths that will help improve your report and can even raise your score.    More >

5 Ways to Empower Yourself Against Debt Collectors (1)

June 12, 2015

The Fair Debt Collection Practices Act (“FDCPA”) is the federal statute that was enacted to protect consumers from abusive collection tactics during the collection process.  Despite the existence of the law, collectors regularly violate the statute in an effort to collect debts.  The average debtor is not aware of the law, a collectors’ obligation to follow the law or even the fact that debtors have rights which would allow them to sue the collector for damages.More >

Are Debt Collectors Texting You?

June 08, 2015

In recent months, the Federal Trade Commission (“FTC”) reported receiving complaints regarding the newer collection practice of sending text messages to unsuspecting consumers in an effort to collect debts.  Collection agencies are sending text messages to consumers attempting to collect debts that don’t belong to them or where consumers had not agreed to make a payment. The FTC has coined this collection tactic “Messaging for Money” and plans to use the Fair Debt Collection Practices Act (“FDCPA”) to ban collection agencies from using this method to pursue a debt. More >

The 5 Steps to Improving your Credit Score (1)

May 21, 2015

Considering moving or refinancing your mortgage loan during the summer months?  A good credit score is the first step in qualifying for a home loan or earning the favorable interest rate you need to afford a new house.  Practically all home loan applications are score driven.  While it admittedly takes a little bit of time to make a drastic improvement to your score, even a few points higher can save you money when getting a mortgage. More >

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 >