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

The FDCPA and is Application to Homeowners

September 10, 2014

Debt collectors collecting on mortgage loans have been sued under the Fair Debt Collection Practices Act ("FDCPA") for
violations of the statute.  If you are a home owner and have fallen behind on payments, you are more than likely aware
of the lengths a collector will go to collect a mortgage loan debt even at the risk of violating the law.More >

The FDCPA Top 10

September 03, 2014

So many more consuimers are aware today about the Fair Debt Collection Practices Act and the protections it provides.  Still, collector abuse continues to be on the rise, and knowing the law will insure you are not taken advantage of by a collector. More >

SmithMarco wins another Lemon Law trial

August 22, 2014

SmithMarco was taken to task by Nissan on a lemon law case, and once again, pulled off a victory for the consumer.  After a three day trial in Springfield, Illinois, a twelve person jury found in favor of the consumer, awarding her damage for her lemon vehicle.More >

Can a Debt Collector Collect in Person

August 21, 2014

Having a collector contact you can be quite concerning.  Another very real concern is regarding contact with people in your life about the debt.  How about if the collector actually shows up at your home.More >

Basics of TCPA

August 12, 2014

Do you receive calls from an auto-dialer?  Learn more about the Telephone Consumer Protection Act.More >

Preparing for Changes from CFPB

August 12, 2014

The CFBP announced new expectations for collections agencies to reduce and prevent conduct that may be harmful to consumers.    More >