News & Resources

A few ways to find your debtor's details

Jan 07, 2012 Mike Garretson

A few ways to find your debtor's details
 If you are having trouble contacting a debtor, you may have the wrong details on their address, phone number and email. Here are a number of ways you can search for a debtor's personal details legally. Postal office and bank
A lot of times people may just throw away mail that looks unfamiliar to them. If it doesn't look like a letter from a family member or a monthly bill, mail can be ignored. Mailing a debt payment notification can regularly result without a response. If you feel that you may have the wrong address, contact the debtor's local post office to find if letters have been returned. If a forward of return has been filed, then the debtor may be purposefully returning the letters. To make certain of this, you can contact the credit agency of the debtor and confirm the address - if the address matches, then you may have reason enough to file a bad credit report or file a claim against the debtor. Social websites
Many individuals may post their personal information on social websites, such as Facebook or MySpace. While many users keep their profiles private, some are still viewable to the public. You can also find out a user's email address through social websites. Property manager
If the debtor lives at an apartment complex, a property manager can tell you their address or room number and whether they've moved.  Credit agency
A short term financing agency that loaned the debtor money may know the most recent contact information of the debtor and you should use this to your advantage. If the debtor hasn't already provided you with their mobile or home phone number, at some point you may stumble upon it through your search. When you call the debtor, make sure you reveal your company name and reason for calling and don't call multiple times in a day. Although a debtor may be hesitant to call back knowing they owe a debt, it's against the standards of the Fair Debt Collection Practices Act to harass the debtor. As long as you follow the governmental standards while obtaining consumer information, you can retireve your debt safely and legally.