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
Federal Courts have declared that furnishers of information must conduct a reasonable investigation into a consumer dispute, just as is required of the credit reporting agencies. In Hinkle v. Midland Credit Management, Inc. the plaintiff sued the collection agency for failing to conduct a reasonable investigation into her dispute regarding its accounts on her credit report.More >
When dealing with a debt collector you need to be one step ahead of the collector at all times. As one owing a debt the biggest mistake you can make is not knowing your rights and the law. Awareness is key to not getting taken advantage of. The following is a list of the top five mistakes you can make when involved with a debt collector. More >
When one files for bankruptcy protection, they are often concerned about certain debts being included. What happens with the car? The house? There are some things one may want to continue to pay for. We welcome our guest blogger, Robert Glantz, from the Midewest Bankruptcy Attorneys office. Rob has over 26 years of experience in all aspects of bankruptcy. We are thrilled to have his knowledge and insight on this subject. Read on...More >
As a responsible consumer, you pull your credit report on an annual basis. You receive the report in the mail and you sit down with a fine tooth comb to review the information. The only problem, you don’t know how to read it or what you are looking for. Reading a credit report can be confusing to a consumer but it does not have to be. Here is a simple explanation of how to read your report and what to look for so you don’t get overwhelmed. More >
There is nothing like buying and selling your home during the summer months---this time of year the real estate market sees a serious boom. However, purchasing a new home means one thing: your finances must be in order so you can get approved for a mortgage loan at the lowest possible rate. But what happens when your credit is in poor shape? Can you still be approved for a loan? The good news is, bad credit does not necessarily mean you will be denied and that dream home can still be yours. More >
Having little or no credit history is a double edged sword. Apply for credit and you get denied because you have no credit…but how do you get credit when you have no credit? Building your credit from scratch does not have to be impossible. Following a few simple steps can put you on the right track to building a credit history with good standing. More >
College graduation is an exciting time for most students but can also be a source of stress…student loans, job interviews, and financial responsibility. While many students find themselves learning how to be financially responsible during their college years, there are many students who don’t learn how to manage their finances until they are out on their own. Your credit report and credit score are just the next grading system used to evaluate you in the financial world. By following these simple steps, recent graduates can assure fiscal responsibility and a positive credit score. More >
When you receive that dreaded phone call from a debt collection agency, nerves can make anyone clam up and forget to ask necessary questions. Collection scams are more common than ever and the only way to protect yourself from making unnecessary payments is to be informed and aware. You can avoid getting lured into making a payment that you really don’t owe by knowing what to ask a collector before handing over your hard-earned money.More >
According to the consumer industry, nearly 25% of all consumers have an error on their credit report. This means that 1 in 5 consumers are walking around with a report that does not accurately reflect their financial status and payment history. Whether you are a responsible consumer or a little careless with your credit, you deserve to have your report accurately reflect your ability to pay. More >