Protecting Consumer Rights - Presented By 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.
Recent Protecting Consumer Rights Blog Posts
Preparing your application for the perfect job is a vital step to landing an interview, but it is important to consider your credit report and make sure it is in good condition before your submit the application for the job you want. Considering that most employers today are taking a long hard look at your credit report as part of the application process, focusing your attention on the state of your credit report is now more important that ever.More >
Walking into a bank, car dealership or applying for a mortgage loan can cause most consumers a great deal of stress, especially if you know your credit report is filled with negative information such as late payments, collection accounts or excessive balances. Most consumers are aware of what information looks bad on a credit report and what it takes to get a loan based on their report. But do you really know what the lenders are looking at when they pull your report? More >
So many consumers confuse the statute of limitations and the amount of time a collection account can remain on a credit report (two separate matters), I feel the subject is worthy of a discussion. This week’s post will focus on collections and your credit report. More >
A statute of limitations is a law that provides the period of time in which one can sue another for a loss. In the world of debt collection, the kind of case that is typically brought by creditor against collector is a breach of contract case. Thus, the important issue for the consumer is what the statute of limitations is for a breach of contract in their state. More >
Payday loan giant, Advance America, that it recently has become a target of scam debt collectors. This scam is being carried out by individuals posing as representatives of the company looking to collect “unpaid” debts from unsuspecting consumers and offering fictitious pre-approved loans for a small fee.More >
Reporting a bankruptcy on your credit report is a rather gray area for consumers, especially when a debt is sold to a debt buyer just before the bankruptcy filing. While bankruptcy reporting and credit reports has been a fairly clear issue under the Fair Credit Reporting Act (“FCRA”) since the inception of the Act, debt buying and bankruptcy has been reviewed far less. More >
Under the Fair Debt Collection Practices Act (“FDCPA”), a collection agency is prohibited from misrepresenting itself to a debtor when collecting a debt. Specifically, a collector is forbidden from misrepresenting itself as a member of law enforcement, a government official or a lawyer. While the law seems fairly straight forward, a recent case against Corrective Solutions filed in the United States District Court of California, raises the question of what exactly qualifies as a misrepresentation under the FDCPA. More >
This October, the Consumer Financial Protection Bureau (“CFPB”) released is Fall Highlights Report. In its report, the CFPB describes areas in which its new rules have been successful and areas in which it needs improvement, as violations of the Fair Debt Collection Practices Act (“FDCPA”) are still a regular occurrence. More >
On September 29, 2014 we filed a lawsuit against the Law Offices of Michael Stillman, who does business as Stillman Law Office, on behalf of a consumer. Instead of fighting, Stillman wisely conceded and allowed a judgment to be entered against it based upon the allegations in the complaint. Another victory for consumers.More >