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Skip-Tracing

Tracking people down can be very difficult, especially when they make it a point not to be found. We use every resource in the book  to gather the necessary information to locate an individual.

Contacting Your Consumer is the First Step to Collecting a Debt

Skip tracing is a process used in debt collections to locate individuals who have “skipped” or moved from their original address without providing a forwarding address. When a debtor cannot be reached at the contact information on file, skip tracing techniques are employed to track down their current whereabouts. This is crucial for debt collectors who need to establish contact with debtors to initiate the collections process.

Here are some common methods and tools used in skip tracing:

  • Public Records Search: Skip tracers often consult public records, including property records, court records, and voter registration databases, to gather information about a debtor’s current location.
  • Credit Bureau Information: Information from credit reports can provide updated addresses, employment details, and other relevant data that helps in locating the debtor.
  • Utility and Phone Records: Skip tracers may contact utility companies and phone service providers to obtain updated contact information for debtors.
  • Social Media and Online Presence: Skip tracers may use social media platforms and online resources to gather information about a debtor’s current location, employment, or activities.
  • Professional Databases: Skip tracers may have access to specialized databases that aggregate information from various sources, helping them trace individuals more efficiently.
  • Interviews and Surveillance: In some cases, skip tracers may conduct interviews with friends, family members, or associates of the debtor to gather information. Surveillance might be used in extreme cases.

Skip tracing is a legal and regulated practice, and it must adhere to laws such as the Fair Debt Collection Practices Act (FDCPA) in the United States. The goal is to locate debtors respectfully and within the bounds of privacy laws. Debt collectors use skip tracing to reestablish contact with debtors, negotiate repayment plans, or initiate legal proceedings if necessary.

It’s important to note that while skip tracing is a common practice in debt collections, it should be conducted ethically and with respect for individuals’ privacy rights.

AmCollect® verifies your consumer’s address with the U.S. Postal Services’ Change of Address Database. If the consumer has provided a change of address, our letter is automatically rerouted to that new address by our vendor and the new address information is loaded into our system. If the consumer does not have a valid address and/or phone number, we will attempt to locate them using five of the nation’s leading skip-tracing databanks. When a consumer is located through our skip-tracing efforts, AmCollect® has the potential to better our collection rate above and beyond our competition.

We submit consumer data to the major credit bureaus (Equifax, Experian, and TransUnion). Accounts are scored within a week of being loaded into our system which also may provide a possible SSN if we don’t have one and additional phone numbers that may result in contact with the consumer. If necessary, we can have a full credit report pulled and imported into our system for use by our team.