Know Your Rights

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Welcome to the Protecting Consumer Rights Blog...

You have rights when a debt collector is pursuing you. SmithMarco, P.C., has over 30 years of combined experience practicing law protecting the rights of consumers around the country.

Contact us for a free case review to determine if your Fair Debt Collection Practices Act rights were violated. 

Snacking Giant Pays in Background Check Lawsuit

Last month, Frito-Lay, Inc., one of the largest snack food manufacturers, generating over $1 billion in sales over the past year, agreed to pay $2.4 million to settle a class action lawsuit over alleged violations of the Fair Credit Reporting Act (“FCRA”) for improper handling of background checks.Read More...

Video: How to Dispute a Merged Credit Report

Join SmithMarco's own consumer rights attorney, Larry Smith, on Chicago Access Network Televisiton (CAN TV) for this episode of "Credit Talk."  Larry Smith discusses your rights when denied credit or employment based on a merged credit file. A merged credit file occurs when people have similar names, addresses, phone numbers, birth dates, and social security numbers and their credit information and background check information gets mixed up by the credit reporting agencies.Read More...

Social Media and Employment Background Checks

Under the Fair Credit Reporting Act (“FCRA”), an employer cannot delve into your personal life without your permission.  When applying for a job or if you are currently employed, the law says employers need to seek your permission to conduct a background check.  The FCRA requires an employer to ask your permission to conduct a background check and get written confirmation.  Read More...

Salary Information on your Credit Report

Checking your credit report is standard protocol for the average consumer.  Accessing your credit file to review the information reporting is essential to your financial well being. Did you know that in addition to account information, credit reporting agencies also collect salary information on consumers? Read More...