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 about 1 year ago.

    1. David Michael 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 about 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.