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. 

What to do when you are Denied Credit

Regardless of the reason for needing a loan, getting denied can be frustrating for a consumer looking to improve his or her financial well being.  But rather than taking a loan denial personally, you can take steps to understand why you were denied and work to fix your credit so it does not happen again in the future. Read More...

Divorce and Your Credit Report

With the stress of divorce and/or marital separation comes the stress of paying your bills and dividing your finances.  Maintaining good credit post divorce can be challenging.  It is important to understand that a legal separation does not alleviate you of your responsibility and obligation to pay your bills with your spouse that were joint debts incurred while you were married. Read More...

Are Creditors Required to Report your History?

In January of 2018, GM Financial, the automotive lending giant, ceased to report any of its account information to the credit reporting agencies for as many as 2.5 million of its customers.  Consumers were left with blank information which could essentially alter their credit score.  Is it legal for a creditor to stop reporting information?  Does the law require it to report?Read More...

Closing Credit Cards and your Credit Score

Before making a decision to close that credit card account you do not use anymore that is just sitting open on your credit report, consider what it could do to your score. Read More...