Being able to locate a debtor’s bank account information could be very useful in your attempts to collect debt. By law, it is required that a private investigator to do the work. Be wary when you hire someone to locate bank account numbers as there are a number of scam companies claiming that they can help, and take your money with no activity in return.

Down Below are legal and legitimate ways to obtain a debtor’s bank account number.

First, if your debtor works at a retail store buy something from the debtor and pay by check. This is an excellent tactic to determine account information by looking at your own bank statement; the bank account information will allow you to figure the debtors account number.

Interactions with a previous landlord of the debtor has the capacity to be very fruitful. Ask his formal landlord. You can subpoena the old land lord for a copy of the rental application to see where the defendant banked. Because old habits die hard, it is likely that the debtor still uses the same bank account.

One consideration that is helpful to think about is serving a Business Record Subpoena on the employer in order to get a copy of a payroll check the debtor has cashed in. The check should have the defendant’s account number and quite possibly the name of the bank on the bank.

There are additional “colorful” ways to get information about a debtor’s bank account. Conduct a trash search. This is an easy way to acquire bank information and a it is also a way to get to know more than you ever wanted about this debtor.

A very elaborate ploy to get the skinny on your debtor’s bank account is what I like to call “the fake block party.” Send post cards to anyway who lives on the debtor’s block, and put up signs directing traffic towards his house. The debtor may get block party fever and open his garage. Scope out his items and take inventory. He may even start to sell things. At this point, purchase something and hand them a check.

Viola! All of these plots are legal, but my advice would be to root through a debtor’s trash and stage a block party last, because that seems kind of crazy.

Mallory Megan works for a debt collection company. Also, she composes stories on business, finance, the credit industry, and debt collection. Get a totally unique version of this article from our article submission service