How to locate where a person banks


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The fact of the matter that the bank microfilmed every check the landlord deposited in his account. This includes the Debtor's rent checks. This technique involves serving a Writ of Execution and a Bank Levy on every bank in the area.

My Spending Report

This procedure assumes that you will hit an account eventually and that the debtor will bank within only a few mile radius of his home or work. It is rumored that the IRS has used this tactic in the past.

For obvious reasons, this technique works best in a small town. At this proceeding you can demand that the debtor tell you where his bank account is. The unfortunate effect of this procedure is that the defendant can take most if not all of his money out of the account before you can get to it. However, do not dismiss the usefulness of the examination too quickly. Not all debtors are Einstein's. Some debtors do not think to empty their bank accounts.

Business Bank Account Checklist: Documents You'll Need

Additionally, there is actual value in finding a bank account with only a few bucks in it or even one that has already been closed. The value is in the microfilmed records the bank will retain on the account. Just think about it for a second. What documents would a debtor deposit in his bank account? If you answered any of the followings: the debtor's payroll check, the debtor's spouse's payroll check, stock dividend checks, rental income checks, you would be right!

Each category of information is extremely valuable to a creditor enforcing a judgment. What is more, the debtor will probably take the funds from his now defunct account and--probably in the form of a check from his old account--deposit it in a new account. If you know the debtor's employer you may consider serving a Business Record Subpoena on the employer to obtain a copy of a payroll check the debtor has "cashed".

The check should have the defendant's account number and possibly the name of the bank on the back of it. The current landlord probably has a rental application on file that show the defendant's bank account. Subpoena from the current landlord a copy of the defendant's past month's rent check. Subpoena from the current landlord a copy of the defendant's current month's rent check.

Some investigative agencies such as the IRS, FBI, local law enforcement agencies, and private investigators will conduct trash searches. The information obtained will reveal the bank where the defendant has an account in addition to probably more information than you ever wanted to know about the defendant.

In fact, a trash search tells so much about a debtor that it is absolutely scary. Think I am kidding? Tell you what, to every person who reads this and for an instant thinks this technique will not work, I have an exercise for you. Go through your own trash for a one week period. Write down everything that you can conclude about your household--likes and dislikes in foods and cosmetics, medications, personal correspondence, etc. Are you now considering incinerating your own trash? This is an unusual procedure reserved for the stout of heart. It will not work if the defendant knows you on sight.

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The way it works is to send post cards to everyone who lives on the defendant's block. The post card should read something like, "Block yard sale this weekend".

How to Locate a Debtor's Bank Account | Pocketsense

Put up a few signs directing traffic on the appropriate day. The defendant will be caught up in the excitement and open his garage to sell his unwanted items. First, this is a great chance to view the defendant at home, up close and personal. Take covert inventory of the defendant's assets. Second, buy something from the defendant and pay by check.

Asset Searches in Action

This is certainly true of the current sales tax permit for California. It is probably true for other states as well. The Employment Development Department application, an permit that allows an employer to hire employees, normally requires that the business list it's bank account. Often the description and address of private property and the make, model and license number of vehicles also are included in the divisions of property papers.

For Assistance Call National Check Fraud Center Legal Ways to Locate Bank Accounts The following information has been compiled from various sources to aid law information, bank investigators, law firms and researchers who are in need to obtain checking account information for investigatory reasons only. UCC Filing - Copy of the Debtor's Checks The debtor is obligated to pay the secured party back for it's loan each month--presumably with a check. Previous Landlord-- Rental Application Subpoena the previous landlord of the defendant for a copy of the rental application to see where the defendant banked.

If collecting on a judgment, the judgment holder is legally entitled to the money in order to satisfy the court-awarded judgment. We are not attorneys. Therefore you should always consult with a competent attorney for advice regarding the legality of any financial investigation. Remember, all of our hidden asset searches are completely GLB compliant and no financial institution is ever pre-texted or surreptitiously contacted by us.

A hidden asset search normally returns the name and address of the financial institution, account title if different than the subject , account type, current balance and amount of the last deposit, when provided. We can also discover the location of safe deposit boxes, though the contents will be unknown.

Unfortunately not. Sometimes there's an opt-out agreement on file. This is where the account-holder specifically requests in writing that information regarding the account not be disclosed. When this occurs, we may only know that an account exists at the institution, but nothing further. To garner further information, your attorney will need to file an information subpoena to the institution. We can only find accounts associated with your subject's Social Security Number, or in the case of a business; the EIN.

We cannot locate any accounts associated with an insurance product, such as life insurance or annuity. Also, k's that are held with an employer cannot be found because they are associated with the employer until converted to an IRA. Plan ahead, as locating bank and brokerage accounts take time to research, on average weeks. In certain circumstances, we can expedite the investigation, however this will increase the cost. Remember that our report is a snapshot in time of accounts at a given date and time.

Account balances can change daily and often do. However, with the information that is provided, your attorney can subpoena the institution for updated balances and further account details. The costs to find bank accounts and hidden assets depends on several factors. Do you want to search statewide or nationwide? Do you want to search for only bank accounts or do want also want to search for brokerage accounts?

The answer to these question will determine the base price for the search and what you will pay when you place your order.


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These account fees are charged after your order but before we return your results. To further reduce costs, you may exclude known banks or brokerages, though you may not exclude specific accounts within a bank.

Writ of Execution

Further details are provided on each search description and under the FAQ tab. There are times when no accounts can be found. They also may have funds in an account not associated with the SSN, such as a business account associated with an EIN. The balance is refunded back to your credit card. There are no future commitment or obligation unless to decide to order another search. Docusearch has been assisting attorneys and judgment collectors find hidden bank and brokerage accounts for 35 years.

how to locate where a person banks How to locate where a person banks
how to locate where a person banks How to locate where a person banks
how to locate where a person banks How to locate where a person banks
how to locate where a person banks How to locate where a person banks
how to locate where a person banks How to locate where a person banks

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