Kevin C Mallon’s Answers

Kevin C Mallon

New York Credit Repair Attorney.

Contributor Level 2
  1. Can old debts be lumped with new debts by collection agency

    Answered over 1 year ago.

    1. David M. Kasell
    2. Eric Edward Rothstein
    3. Kevin C Mallon
    4. Michael Glynn Busby Jr.
    4 lawyer answers

    No, they are not allowed to 'lump' accounts together like this. If theya reporting both debts on yoru credit report that's a likely violation of the FCRA since they can only report a debt for 7 years on your credit report. If you agree top pay the 2011 debt be sure that they first confirm in writing that they will delete the tradeline from your credit report once the debt is paid.

    1 lawyer agreed with this answer

  2. Collecting from a judgment

    Answered over 1 year ago.

    1. Eric Edward Rothstein
    2. Rory M. Alarcon
    3. Kevin C Mallon
    3 lawyer answers

    If you know where they work you can contact a local Marshall or Sheriff and have them send the debtor notice of a wage garnishment of up to 10% of their salary.

  3. Bankruptcy, Judgement and credit score

    Answered 6 months ago.

    1. Lisa Torelli McCue
    2. Brendan Michael Kelly
    3. K. Hunter Goff
    4. Adam Swartz
    5. Kevin C Mallon
    5 lawyer answers

    Typically it will stay on your report for 7 years, thought technically under the FCRA a credit reporting company can keep it on your report as long as the judgment is enforceable. In NY paid judgment must be removed after only 5 years.

    1 lawyer agreed with this answer