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Judgment Enforcement – The Step-by-Step Course

And I may discover assets right then (which I won’t mention to the creditor). This

happens a quite a bit, really.

Also, I get a chance to get to know the creditor. I’ve already that said some of them are
worse than the JD’s. I’ve had some bad experiences, so I want to see how reasonable the
creditor is. Or how grumpy.

2. “Return Service Requested”

In rare instances your JD may have moved very recently, and the databases and credit
reports may not have caught up with him yet. For the best databases, it’s about a min of 7
days after someone registers a car, registers to vote, goes on utilities, or something else
before they show up. But maybe he moved and isn’t yet on your database? Then you can
try using the U.S. Post Office to locate him. It’s legal to send letters to your debtor, and
that’s the way to start. You don’t even need to write him a note. Just address an envelope
to his former address, and below your return address write “Return Service Requested.”

“Return Service Requested”

This tells the Post Office not to forward the envelope,
but instead to return it to you with the new address on file.

In a week or so, you’ll get it back. If the debtor left a forwarding address, it is yours for

the price of a stamp even before the databases catch up with him. If the debtor didn’t leave
a forwarding address, you’ll need to keep trying through other methods. Or wait a month
or so and run one of your databases again. Sooner or later, the person will show up.

3. An ‘Important Note’ to the Debtor

If you think you’ve now found the new address for your debtor, here’s an easy way that
might verify it without having to drive across the state or even across town.

Again, address an envelope to your debtor at what you think is his new address. Write
“Return Service Requested” under the return address, just like before. You may not want
to put your own address on the envelope, so just use the address of a friend whom the
debtor doesn’t know. Then, take a simple flier or advertisement, and write something
friendly on it, like— “Hi, I think you were looking for this, hope it helps,” or something
similar. Go ahead and mail it.

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