Tracing of Missing Persons

Debtor tracing is the process of locating individuals or companies who owe money to a creditors and have absconded or disappeared. It is a common practice in the field of debt collection and is a vital tool for creditors seeking to recover unpaid debts.

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Debtors can disappear for a variety of reasons, such as moving without leaving a forwarding address, changing their name, or deliberately hiding from creditors. Whatever the reason, debtor tracing can be a challenging and time-consuming process. However, with the right tools and techniques, it is possible to track down even the most elusive debtors.

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The first step in debtor tracing is to gather as much information as possible about the debtor. This may include their full name, address, phone number, email address, social media information, date of birth, and employment information. This information can be obtained from a variety of sources, such as credit reports, public records, plus social media is a such as great tool these days.

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Once the creditor has gathered as much information as possible about the debtor, the next step is to use this information to locate them. There are a number of techniques that can be used for debtor tracing, including:

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Debtor tracing involves using specialised software and databases to search for the debtor's current address and contact information. Here at Able we have access to a number of data bases which are all GDP Compliant, and being ICO registered we have lawful access to these databases, offering our clients a strong success rate for creditors.

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Attendances at the last known address speaking with neighbours, or even the new occupants asking the right questions without breaching Data Protection. Along with which at time thinking outside of the box, maybe working side ways, looking at the partner or if one of the children are over eighteen seeing if there is a further contactable address.

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What happens once we have an address, we give a full report to the client on how we came to the new address, the process around our findings. Once we have passed the information on to the client, there are a number of avenues open to the client dependent on the reason for the trace. One of which can be process serving.

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Process serving: This involves using a legal process server to deliver legal documents such as court orders or insolvency proceedings to the debtor's traced address or in some circumstances we may be looking for a beneficiary so on this occasion we would be giving good news.

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Debtor tracing can be a complex and a time-consuming process, it requires a great deal of skill and expertise. It is important to work with a reputable firm that has experience in this area and has access to the latest tools and techniques for debtor tracing.

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Let’s not forget, that the firm you instruct has a duty of care to the person you are tracing. This is why as a ethical firm we do not take instructions from private clients. There are many reasons for this, these may include a person who is attempting to trace a e- partner who is subject to an Harassment Order, or they have protection under a Forced Marriage Order. If we were to carry out a trace without carrying out our due diligence, then we become party to those proceedings and may find ourselves in court. So, safety if paramount for not just for the person we are attempting to trace but for our staff as well.

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In conclusion, debtor tracing is an essential tool for creditors/or people seeking beneficiaries or witnesses. With the right information, tools, and techniques, it is possible to locate even the most elusive debtors and bring them to the attention of the client. If you are a creditor struggling to locate a debtor, consider working with a reputable debt collection agency that are specialists in debtor tracing.

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One thing I will say, is getting the right firm is not cheap, if you see an advert for tracing with a stupid low fee, or a no see no fee, please be mindful. After all you get what your pay for. Professionalism is not cheap. & cheap is not professional. Ensure your agency has a Data Protection Licence, has the right experience, has insurance in the right areas.

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With over 30 years’ experience, and a 98% success rate in tracing missing persons, having the tools and an enquiring mind. Able Investigations will ensure that our reports are legal compliant, if you need to place our report before a judge, you can do so hand on heart knowing that all the information has been obtained legally above board, in line with all GDPR.

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Should you have any questions in this or any other matter please do not hesitate to pick up a phone call the office on 0345 366 0000. Once you have used our services, you will be so impressed it is highly unlikely that you will ever use another agency.