Consumer’s Guide to Surviving Covid-19 Setbacks

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 […]
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Jesse, MO

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 […]
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Advice for Financial Setbacks Caused By Coronavirus

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 […]
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Your Credit Rights After Bankruptcy

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 […]
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Are Credit Monitoring Programs Worth While?

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 […]
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What is the Credit Access and Inclusion Act?

In a society that runs on credit, Americans are consumed with having a perfect credit score. Without good credit, consumers aren’t eligible for favorable interest rates, low interest credit cards, mortgages, insurance and even employment. In an effort to help the vast majority of American consumers obtain credit, Congress has introduced The Credit Access and […]
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Financial Challenges Facing College Graduates

For the next group of college graduates, the main concern post graduation is job and financial security. With surmounting student loans, credit card debt and never ending future expenses, financial independence seems next to impossible to obtain for graduates. According to experts, millennials, the population of individuals born between 1982 and 2004, live paycheck to […]
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David, CO.

I send to you my utmost thanks and respect for helping me regarding this issue. When i first contacted your firm…I was, to say the least, at my wits end. Numerous other of your competeing firms did not believe me and my situation…they were wrong.   I NEVER ever wanted to go through this process. […]
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When Does the FCRA Reporting Clock Start Ticking?

When negative information is reported on your credit file, The Fair Credit Reporting Act (“FCRA”) puts a time limit on how long the information can be reported. It seems fair that negative accounts shouldn’t be a blemish on your credit report forever. Under the FCRA, the Federal law that promotes accuracy, fairness, and privacy of […]
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Is there a Difference in Credit Scores Between Men and Women?

It is no secret that on average in America, women earn less than men. Specifically, in 2019 women are earning just under $0.80 on the dollar compared to men. Knowing this is the case, have you ever wondered if women have lower credit scores than men considering they have lower income and less money available […]
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