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
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 >
As a follow up to our last blog about hiring a credit repair company, I thought it appropriate to discuss tips in spotting a credit repair scam. Consumers looking to hire a company to fix their credit need to be informed of the risks of hiring a repairer that is looking to take their money and make empty promises of fixing credit that is irreparable.More >
All too often consumers ask about credit repair…is it worthwhile, what does it cost, should I sign up? Credit repair is a service provided by a company that helps consumers remove unwanted and inaccurate information from their credit file to help improve credit reports. Consumers can hire a company to clean their credit or just as easily can sign up to do the work themselves.More >
Your credit report and credit score are more than just a piece of paper and number. Your information can affect your day to day activity and your financial wellbeing. Good credit will earn your favorable interest rates, a better apartment, a larger mortgage loan, better credit cards, insurance…the list is endless. More >
Negative accounts on your credit file may seem like an everlasting problem. While it feels like an eternity before these delinquent accounts come off your report and are no longer haunting your credit score, acquainting yourself with the Fair Credit Reporting Act (“FCRA”) will ensure the information is removed in a timely fashion. More >
Some of you fans of comedian John Oliver may have seen his recent ranting about the credit reporting industry. Indeed, Mr. Oliver’s commentary is hysterical, and he draws some rather wild comparisons. But beyond the entertainment is some rather startling information and facts about the industry, where it is today, and how it affects us. More >
With Tax Day just a few short days behind us, those who filed on time are more than likely already thinking about what they will get back. Statistics show that approximately two-thirds of Americans who file taxes on time will receive a refund. While most consumers make plans for how they are going to spend the money on vacations, home improvements, a new car…., consider using your income tax refund to improve your credit. More >