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SkipTracing
The Lure Of BankruptcyHere is a true story about bankruptcy, and the advantages it offers. A husband and wife team of ..... ...... zips can supply more specific data that can be used for further tracing.
d) Try mailing an empty envelope (with your return mailing address) to the last known address with the notation in the bottom right-hand comer "POSTMASTER: FORWARDING AND ADDRESS CORRECTION REQUESTED If there is a forwarding address the post office will send this information to you for (currently) a $50 fee.
e) "RETURN TO SENDER" is your first sign of trouble and indicates your debtor is probably a skip.
f) Carefully examine all returned mail that is undeliverable for clues.
The Free Credit Card TrapThey arrive in your mail - a conspicuous looking mail piece from some "official looking" bank claiming that you ..... g) "NOT HERE" is a typical Post Office wording that indicates the debtor is no longer there.
h) "NOT THERE" is not normally used by the Post Office and indicates it was probably written by someone still at that address.
i) MOVED-NO FORWARDING ADDRESS" indicates the debtor is probably a true skip.
j) FORWARDING ORDER EXPIRED" indicates the time limit for forwarding has run out (you may get lucky and check with the post office and get a copy of the forwarding order).
k) "CERTIFIED MAIL/RETURN RECEIPT REQUESTED" is useful when you need confirmation of a piece of mail being delivered and also to verify who signed for it.
l) "RESTRICTED DELIVERY" assures that the target debtor receives the mail. This is a premium service and costs extra.
m) "FORWARD" will show the target debtor's new address if on file and will show the return item from the post office.
n) "RETURN TO SENDER IF NOT DELIVERED ON FIRST ATTEMPT" is used if you are trying to keep from tipping your hand that you are searching for the target debtor. Without this instruction, your target will be able to claim the letter at the post office and will know that you're looking for them. In addition, you still would not have a certified address.
Skiptracing By Telephone
a) Making telephone contact is the most effective, fastest and cheapest method.
b) Use good timing when contacting your informants in order to gain their maximum cooperation. Don't forget the time, place and type of person you are attempting to contact.
c) Avoid calling early in the morning, when your informant is trying to get kids to school and themselves to work, or at dinnertime.
The Credit System (Part 3)Steps to Dispute: Get your credit report. Review your credit report. Decide which items you want to dispute. Write letters .....
d) Always leave a phone number (preferably toll-free) for informants to call you back.
e) Identify your informant. Always know who you are talking to and verify their name and address.
Women And Credit IMany women complain about not having any credit. Those complaining are those who REALIZE that they do not have credit, single women or .....
f) Identify yourself, stating only your name. Don't identify your employer, unless they specifically ask you to do so. If informant asks you to identify your employer, simply state the name of the original creditor (not your Collection Agency name).
g) Tell your informant you need their help. Be courteous and friendly. Try to build a rapport with your informant immediately ... this will encourage them to respond.
h) Under the Fair Debt Collection Practices Act (Public Law 95-109) you can only contact your target debtor at their place of residence, their place of employment or the telephone number you have on record.
i) Use psychology on your informant. Silently wait for them to make the next move. Wait for them to respond. Be patient.
j) Listen closely for information and leads. Analyze everything the informant says to you since they may give you leads to other sources of information.
k) Analyze the informant's attitude. Be alert for inadvertent clues and listen closely for inconsistencies.
l) Question your informant. Your questions may help turn up more information than the informant realizes they know. Limit your questions to acquisition of location information. Be sure to phrase all of your questions in a positive manner. Sound confident that you have the right information, even though you may be attempting to bluff information out of your informant.
m) Be prepared for any questions your prospective informant may have for you. You should try to structure all of your answers with a combination answer and counter-question of your own. This counter-question will usually prevent the informant from asking you any additional questions. If the informant should ask, tell them that you need to contact the debtor about a business matter.
n) Close your call. As soon as you have all of the information you want or all you think you can get from this particular informant, end the call.
o) Don't allow time for the informant to ask you too many questions. Take your information and end the call.
Additional Sources Of Information
a) Old and new telephone directories.
b) Criss-cross directories. One section lists households and businesses by street name and number; another section lists all telephone numbers by exchange and lists to whom that number is assigned.
c) City directories. Information obtained by direct canvassing of the city by mail, phone and sometimes even personal contacts. Most residents of the city are included, even those with unlisted phone numbers. City directories are usually divided into four sections:
Business and professional firms
Names of residents and businesses listed alphabetically
Listing of households and businesses by street name
Telephone numbers (in numerical order) followed by the names and addresses of the person(s) or business(es) to whom the telephones are listed
Who Do You Contact?
a) Go back through all/old files on debtor.
b) Contact former or current neighbors.
c) Contact former or current friends.
d) Contact relatives.
e) Former employers.
f) Apartment managers or landlords.
g) Local stores, service stations, barber/beauty shops, restaurants or bars the debtor may have frequented.
h) Social services agencies.
I) Schools, alumni associations, PFAS, etc.
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