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.


Who has access to your Credit Report

Many Americans consider their credit information to be private information, and it should be. But who has access to your report and who protects your privacy? Read our latest blog post to find out.

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 Equifax Breach and Dealing with Identity Theft and Credit Scores

October 13, 2017

Tune into CAN TV’s “Credit Talk” to hear from SmithMarco’s very own attorney, Larry Smith. He discusses a variety of credit-related topics, one of them most notably being the recent Equifax data breach. Learn how you can spot red flags in your credit report that may suggest that you’ve been a potential victim of the hack, as well as next steps to dispute these inaccuracies.More >

Getting Free Credit Report Not as Easy as it Should Be

October 12, 2017

Under an amendment to the Fair Credit Reporting Act in 2003, consumers are entitled to one free credit report a year from each of the three big credit reporting agencies, Equifax, Experian and Trans Union.  After the recent security breach at Equifax, there is no better time than now to take advantage of obtaining your free report to make sure the information on your credit file actually belongs to you and that you are not one of the 143 million consumers whose information was compromised.  More >

Post Equifax Breach, Consumer Advocates Propose New Laws for Employment Background Checks (3)

October 03, 2017

In the aftermath of Equifax’s data breach, one of the largest breaches in credit history to date, Congress is looking to reform the use of credit information used for employment background checks.  After 143 million American consumers were affected by the data breach, Congress proposes a new bill that would result in big changes for the credit reporting agencies and consumers by regulating the use of credit reports for employment purposes.More >

Equifax Data Breach

September 18, 2017

You came to this page because you have concerns about the recent breach at the data centers of Equifax, one of the major credit reporting agencies.  We are well aware of the circumstances and we are aware that millions of people have been, or will be, affected by this breach.More >

Know Your Rights in the Employment Screening Process

September 07, 2017

Employment Background check cases are on the rise.  The Fair Credit Reporting Act (“FCRA”) is doing its job and protecting consumers nationwide from the improper handling of consumer reports during the employment application process. Consumers should be aware of their rights and protect themselves from misconduct of employers.  More >

Rebuilding Your Credit After Bankruptcy

August 22, 2017

As a consumer who has filed for bankruptcy, the relief of being able to start fresh can give you a new outlook on life; no more calls from debt collectors, no more mounting bills to worry about being able to pay off.  However, the concern about rebuilding your credit and being able to get credit is a legitimate one.  A low credit score post bankruptcy is a reality, however, rebuilding your score is not impossible.More >

Consumers May Not be able to Revoke Consent to Calls Under TCPA

August 09, 2017

Earlier this month, the Second Circuit ruled in favor of the business world when it held in Reyes v. Lincoln Automotive Financial Services that a consumer cannot revoke consent to receive automated or prerecorded phone calls on a mobile device.  This is a harmful decision for consumers everywhere who are sick and tired of getting robo-dialed on their cell phones. More >

Record Verdict for Consumers Under Fair Credit Reporting Act

July 25, 2017

Just a few shorts weeks ago, the Northern District of California awarded the plaintiffs in the case of Ramirez v. Trans Union LLC, $60 million after holding that the defendant, credit reporting agency Trans Union, violated the Fair Credit Reporting Act (“FCRA”).  To date, this is the largest amount awarded by a jury to a consumer for violations of this statute.  More >

Credit Bureaus Making Changes to Comply with FCRA

July 18, 2017

The Fair Credit Reporting Act (“FCRA”), is the federal statute that was enacted to promote accuracy, fairness, and privacy of consumer information contained in the files of credit reporting agencies.  The purpose of this law is to protect consumers from the willful and/or negligent inclusion of inaccurate information in credit reports.  With this purpose in mind, the law regulates gathering, dissemination, and use of information by the credit reporting agencies and furnishers to ensure the accuracy of consumer information.  More >