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. 

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

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. Read More...

Record Verdict for Consumers Under Fair Credit Reporting Act

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.  Read More...

Credit Bureaus Making Changes to Comply with FCRA

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.  Read More...

Can Alternative Data Help You Get Credit?

When applying for credit, we know that we are likely to be subjected to the traditional credit search, where the potential creditor will check our credit history through one of the three main credit reporting agencies, Trans Union, Equifax and Experian.  However, for those who do not have an established credit history, there may be a road block to getting credit.  Can the use of "alternative data" help those with unestablished credit histories have a better chance in the marketplace? Read More...