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. 

Know Your Rights in the Employment Screening Process

Employment Background check cases are on the rise.  The Fair Credit Reporting Act (“FCRA”) is doing its job and protecting consumers nationwide from the improper handling of consumer reports during the employment application process. Consumers should be aware of their rights and protect themselves from misconduct of employers.  Read More...

Rebuilding Your Credit After Bankruptcy

As a consumer who has filed for bankruptcy, the relief of being able to start fresh can give you a new outlook on life; no more calls from debt collectors, no more mounting bills to worry about being able to pay off.  However, the concern about rebuilding your credit and being able to get credit is a legitimate one.  A low credit score post bankruptcy is a reality, however, rebuilding your score is not impossible.Read More...

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...