Larry Smith
October 28, 2020
As the economy continues to struggle through the pandemic, many consumers are experiencing credit loss. Either their current creditors are deciding to discontinue the relationship or lower the line of credit, or people seeking to obtain new credit are being turned away. Often times the consumer is frustrated as they believe their credit file or […]
Larry Smith
October 15, 2020
Often, a consumer will dispute something on their credit report and successfully get undesirable information removed from their report. However, sometimes that item will get re-reported to the credit bureaus and re-inserted into credit reports. Sometimes it’s the same creditor or collector, but sometimes, it happens when a third party buys the debt and begins reporting […]
Larry Smith
July 10, 2020
I’m not sure I am the first to say this, but I am certainly ready to start providing the advice that paying bills via autopay is NOT a good idea. Certainly, the convenience and ease are attractive – set it up one time and never worry about paying your bills on time again. Well, not […]
Larry Smith
April 21, 2020
The three main credit reporting agencies, Trans Union, Equifax and Experian, have banded together to provide consumers free credit reports while the coronavirus pandemic continues to threaten our economy. This is, indeed, a generous proposition from the big three. The Fair Credit Reporting Act provides that everyone is entitled to one free view of the […]
Larry Smith
April 20, 2020
We are now approaching a full month since most states have been issued stay-at-home orders. During these past weeks, job loss rates have spike as business effected by the shut-down have been forced to lay off or furlough workers. As for how this all affects each consumer economically, we are still looking for all the […]
Larry Smith
April 2, 2020
As the Covid-19 virus continues its spread until we reach that apex of the curve, many consumers are certainly starting to wonder, worry and even panic about how this will financially set them back. Indeed, it is a very uncertain time right now, and more uncertainty lies ahead. For many consumers who may be facing […]
Larry Smith
March 26, 2020
I thank you & David very much. I will definitely recommend people to you in the future. You helped me realize there are options & a person doesn’t need to feel bullied and/or helpless in these situations. Everything you guys have done has been more appreciated than I can express. I wish the best for […]
Larry Smith
March 20, 2020
As the nation’s businesses shut down or slow down, the financial impact of the Covid-19 pandemic will certainly be widespread and drastic. Millions of American workers will be temporarily without pay for extended periods. Many will lose their jobs altogether. What should the consumer know when faced with impending financial doom? SmithMarco, P.C. wants to […]
Larry Smith
December 19, 2019
Filing for bankruptcy is definitely not a spur of the moment decision. A Chapter 7 filing is a large undertaking that involves much consideration and careful planning. All of your debt is compared with your assets and you must decide whether or not you will be able to pay off what you owe and still […]
Larry Smith
December 19, 2019
When it comes to monitoring your credit, accessing and reviewing your report could become a full time job. Busy consumers may not have ample time to spend reviewing their credit files to ensure accuracy and compliance. To fill this void, credit monitoring companies were introduced. For a reasonable fee, many busy consumers are willing to […]
