Debtors are individuals that owe money to companies or organisations, which are called the creditors. Creditors need updated addresses for debtors to ensure that the debtors receive mailings from the creditors, such as statements and payment notices. Oftentimes, creditors may not have a current address for a debtor, so it is important that the creditor gets a current address for the debtor. There are several methods creditors can use to obtain current addresses.
Search directory websites online. The Internet has grown to be a popular search tool for addresses. Websites, such as switchboard or white pages, can be helpful in finding addresses for debtors using their name or phone number. You can also use skip trace websites such as Insight Collect, which is an advanced search engine where you can search for addresses by inputting the debtor's Social Security number.
Skip trace by pulling credit reports and calling other creditors. As a creditor, you may have the ability to pull a credit report to find a current address, since this information is public and reported to credit bureau agencies. If not, the credit report can show other creditors that the debtor also owes. The phone numbers of these creditors are on the credit report, so call them and ask them for the address they have for the debtor.
Contact the post office. If you do not have a current address for the debtor and you have been mailing information to the debtor, the post office may receive the mailings back if the address is incorrect. Oftentimes, debtors may file a forward of address with the post office so that mail is forwarded to them. In this case, you, as a creditor, should receive a notice from the post office.
Contact the landlord of the debtor. As a creditor, you may have obtained information regarding whether the debtor is renting or buying his or her home. If renting, you may be able to contact the landlord for information on whether the debtor has moved. If he or she has moved, the landlord may know current whereabouts of the debtor.