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. 

The Telephonic Consumer Protection Act

Consumer statutes are enacted to create a balance for buyers in the marketplace and prevent sellers from using unfair tactics.  The Telephone Consumer Protection Act (“TCPA”)  is a consumer minded statute enacted in 1991 that prohibits telemarketers, banks, debt collectors and any other companies from using autodialers or robocalls to contact you at home or on your cell phone without your consent.Read More...

Video: Credit Report Types & Debt Collection Scams

Join Larry Smith, consumer protection attorney and co-founder of SmithMarco P.C. for this episode of "Credit Talk" on Chicago Access Network Television. Larry discusses how to access and dispute incorrect information on all of you credit and background reports, not just the credit reports from the three large credit reporting agencies. He also talks about how to recognize and avoid debt collection scams, which are on the rise, along with other credit topics.Read More...

The FDCPA and the Least Sophisticated Consumer Standard

Consumer debtors can thank the Second Circuit for its ruling in Avila, et al. v. Riexinger & Associates, LLC, when the least sophisticated consumer standard got a little less sophisticated earlier this year.  In this Fair Debt Collection Practices Act (“FDCPA”) case the court held that a debt collector cannot presume that a consumer understands the most elementary rules of debt collection.Read More...

Top 5 Mistakes Made When Dealing With a Debt Collector

When dealing with a debt collector you need to be one step ahead of the collector at all times.  As one owing a debt the biggest mistake you can make is not knowing your rights and the law.  Awareness is key to not getting taken advantage of.  The following is a list of the top five mistakes you can make when involved with a debt collector. Read More...