Larry Smith Reconnecting with The Rideshare Guy

About a year ago, I connected with Harry Campbell, The Rideshare Guy.  Harry has spent the last several years helping rideshare and gig drivers navigate some of the perils of the job.  We at SmithMarco have come to represent many drivers of Uber, Lyft, and many other delivery services where a false or inaccurate background […]
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Money Disappearing from Bank of America Accounts because of Zelle

It was reported yesterday that many Bank of America customers found out that money was missing from their bank accounts.  It was determined, at least by the bank, that the culprit was a glitch in the Zelle system.  Zelle is a payment application that allows account holders to quickly send money to another person.  However, […]
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What is a Re-Aged Account

In the credit reporting world, the idea of what is a re-aged account is often misconstrued.  Under the Fair Credit Reporting Act, negative information cannot be reported for more than 7 years.   Re-aging an account would be something a creditor does so that the account stays on a report for longer than 7 years. When […]
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How to Report Unauthorized Funds Transfers

As banks turn to more and more on-line services, scammers are finding more and more ways into the systems.  Reports of bank accounts being hacked into are on the rise.  Consumers have to be more alert than ever to protect themselves.  Here are some things you can do to protect yourself and, most importantly, report […]
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What is EFTA and What Does it Stand For?

EFTA stands for the Electronic Funds Transfers Act.  And true to its name, it is the law that provides for the rights and responsibilities of those making electronic transfers.   What is an electronic funds transfer?  It is transferring funds through any sort of electronic terminal.  That could be by phone, by computer, by magnetic tape […]
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