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...

No Credit, No Problem?

Have you ever applied for credit and been rejected because you have no credit?  Getting approved for credit is next to impossible when you have little to no credit history.  This cycle seems impossible to overcome, because if you have no credit, how are you going to get approved based upon your credit history?  So while no credit is not the same as bad credit, following these simple steps to getting credit will help you build a credit history and set yourself up for the future.Read More...

How to Dispute Incorrect Information on Your Credit Report

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, including how to dispute incorrect information on your credit report, as is your right as a consumer. You are entitled to one free credit report each year from the three big credit reporting agencies, Equifax, TransUnion, and Experian to check the information on your credit report. You also have the right to request more details about the investigation into disputes on your credit report.Read More...