Sonya Smith-Valentine

P.O. Box 56
National Harbor, MD 20750, United States
Areas of Practice
  • Debtor/Creditor
  • Finance & Banking
  • Litigation

Debit Card Scam

Consumers are receiving fraudulent recorded telephone messages indicating that their debit card has been temporarily deactivated…more
 /  Consumer Protection

New Red Flags Rules for Companies Will Help Fight Identity Theft

The Federal Trade Commission (FTC) has issued regulations (the Red Flags Rules) requiring companies to develop and implement written identity theft prevention programs. The programs must provide for the identification and…more
 /  Consumer Protection, Privacy

Credit Card Reform

The Federal Reserve Board approved final rules that would better protect credit card users by prohibiting certain unfair practices and improving the disclosures consumers receive in connection with credit card accounts…more
 /  Consumer Protection

Banking Trojans are on the Rise

New banking trojans are on the rise on the Internet and are attacking online bank accounts. The new trojan programs wait on your hard drive for an opportunity to crack your online bank account…more
 /  Consumer Protection, Finance & Banking, Privacy, Science, Computers, & Technology

Court Ruling: Credit Bureaus Must Revamp Their Bankruptcy Reporting

Millions of consumers who have filed for bankruptcy are about to get a second chance at a fresh start. A recent federal court order required the three major credit reporting bureaus to clean up the credit files of millions of…more
 /  Bankruptcy, Consumer Protection

It's Not Identity Theft: When Credit Reports Behave Badly

When a person is denied credit based upon errors in their credit report, they begin to believe that they are the victim of identity theft. However, what appears as identity theft isn’t always identity theft. Frequently, the…more
 /  Consumer Protection

Collection Attorneys Beware of New FDCPA Rulings

The Fair Debt Collection Practices Act (FDCPA) is a federal law that governs what actions a debt collector can take while trying to collect a debt. Collection attorneys are also governed by the FDCPA. As such, collection…more
 /  Consumer Protection

Bankruptcy = Fresh Start? Maybe Not!

A bankruptcy discharge is supposed to mean a fresh start for an individual. All of his or her debts have just been wiped out. Now they can begin to rebuild their credit history. Or can they?…more
 /  Bankruptcy, Consumer Protection

When Debt Collectors Call

The deck is stacked against consumers with sophisticated debt collection tactics. Consumers should not hesitate to protect themselves and exercise their rights under the Fair Debt Collection Practices Act (FDCPA). The FDCPA…more
 /  Consumer Protection
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