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Looking to Uncover Hidden Assets on your Debtor?
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Asset locate services are used for a variety of purposes in legal and financial contexts:
1. Debt collection: To uncover hidden assets that can be used to satisfy unpaid debts.
2. Legal proceedings:
- Divorce cases: To expose assets a spouse may be trying to conceal
- Estate planning and probate: To identify assets not properly documented by the deceased
- Bankruptcy cases: To verify declared assets
- Business disputes: To assess the financial status of involved parties
- To conduct a pre-litigation review thorough asset investigation
3. Judgment enforcement: To uncover assets for collecting on legal judgments.
4. Due diligence: When investing in property or businesses, to verify claimed asset values.
5. Skip tracing: To find individuals who are evading debts or legal responsibilities by tracking their assets.
6. Family law: In cases involving child support or spousal support determinations.
7. Fraud investigations: To uncover assets in cases of suspected financial fraud.
Asset locate investigation services can reveal various types of assets, including real estate, bank accounts, investments, vehicles, and other valuable property. These services are typically used by attorneys, private investigators, business consultants, government agencies, and law enforcement to gather comprehensive financial information about individuals or businesses.
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Are Bank Searches Legal?
Bank account searches are legal when conducted in compliance with the guidelines set forth by the Graham-Leach-Bliley Act. We strictly adhere to these regulations to ensure the legality of our searches.
What Kind of Assets Can You Locate?
The most commonly searched assets include bank accounts, brokerage and investment accounts, real estate, vehicles, boats, and aircraft. Among these, bank searches consistently rank as the top request. Cash in a bank remains the most effective and accessible asset for satisfying a judgment, making it the gold standard in asset recovery.
How Long Does a Bank Search Take?
A standard bank search typically takes 7 to 15 business days to complete, although it is often completed sooner. However, we ask that you allow the full 7 to 15 business days. Similarly, most of our other asset search investigations also take approximately 7 to 15 business days. Give us a name and address, and let us do what we do best!
Can You Suggest What Type of Asset Search I Need?
Every situation is unique. We can discuss your specific needs and recommend the best approach for you. Once we complete the initial investigation, we can also continue searching for other types of assets if you wish.
Do You Offer More Comprehensive Asset Investigations Than Just Bank Searches?
Want to find more than just banks? We offer comprehensive reports that provide detailed information about an individual or business, including their assets, such as bank accounts, real estate, cars, aircraft, and public records, such as judgments, liens, bankruptcies, and litigation. For more details about this type of investigation, visit our dedicated page: Investigative Asset Reports.
Can You Locate Business Assets?
Yes! An asset check on a business can provide valuable tangible assets such as the business’s real property and money in the bank. We can find hidden assets.
Do You Offer Asset Searches in Any State?
We can conduct asset searches in all 50 states of the U.S. Investigative Asset Reports vary by state. We also offer nationwide asset locates. Call us for a quote. We locate assets!
Will the Subject of the Investigation Know He or She is Being Investigated?
No, they will not be aware. Our investigations are completely discreet and confidential, ensuring that the subject has no way of knowing they are being investigated.
What is the Best Way to Collect My Judgment?
Bank accounts are the most effective way to satisfy a judgment. Properly serving levies and preparing legal paperwork is essential. While you can learn to handle this yourself, it’s often better to rely on an attorney or a judgment collector to ensure the process is done correctly. We can also search for other assets for judgment enforcement.
When it comes to recovering money with a judgment, there are multiple strategies you can employ beyond just bank accounts. Here’s a more detailed look:
- Garnishing Wages: This involves directing a portion of the debtor’s salary directly to you until the debt is paid off. In most states, up to 25% of wages can be garnished.
- Levying a Bank Account: As mentioned, this is highly effective. A levy allows you to withdraw funds directly from the debtor’s bank account.
- Vehicle and Property Levies: You can place levies on vehicles, real property, and other tangible assets to secure debt payment.
- Business Assets: Extract value from business till taps, equipment, and inventory. Explore the potential of business vehicles and income.
- Investment Securities: Stocks, bonds, mutual funds, and other securities are viable targets for judgment collection.
- Royalties and Rental Income: If the debtor earns from royalties or rents, these can be redirected to satisfy the judgment.
- Interstate Judgment Collection: Collecting judgments across state lines may require additional steps but can be pursued if assets are located in different states.
- Inheritance and Third-party Property: Inheritances or property held by someone else for the debtor can also be claimed.
- Debts and Invoices Owed to the Debtor: If others owe money to your debtor, these debts can be redirected to you.
A Writ of Execution can be issued to enforce judgment collection, ensuring the debtor’s property is lawfully seized. By exploring these diverse avenues, you can maximize your chances of recovering the owed money efficiently.”
Can You Find Lost Assets That Belong to Me?
You don’t have to pay for a service to find lost assets in your name. Read this article to find out how to do it for FREE!
Will an Asset Search Help in a Probate Matter?
An asset search can be a valuable tool in a probate matter for several reasons. When a person passes away, their estate must be settled according to their will or, in the absence of one, according to state laws. This process often involves identifying and valuing the deceased’s assets, which can sometimes be a complex task.
Is an Asset Search Expensive?
The cost of an asset search can vary depending on the scope and complexity of the investigation. Basic searches are often affordable, while more comprehensive searches may require a larger investment. It’s important to consider the potential value of the assets being located and how they can help satisfy judgments or other legal needs. We can provide a clear estimate based on your specific requirements.
Understanding the Distinction: Asset Search vs. Financial Investigation
When it comes to distinguishing between an asset search investigation and a financial investigation, the key lies in their respective objectives and methodologies.
Asset Search Investigation
An asset search investigation focuses on identifying and locating resources that have economic value. These resources can be tangible, such as real estate or vehicles, or intangible, like intellectual property or stocks. Most tangible assets, especially those that are fixed, are documented in public records, making them relatively straightforward to track. Conversely, assets that are liquid usually require a more in-depth approach and often need a valid reason for a search since they aren’t typically recorded publicly.
Key Characteristics:
- Targets both tangible and intangible resources.
- Fixed assets are often found in public documents.
- Liquid assets need specific grounds to investigate.
Financial Investigation
In contrast, a financial investigation delves into understanding financial flows. Also known as forensic accounting, this process is used to track the origin, movement, and application of funds. It plays a crucial role in situations involving corporate misconduct, embezzlement, and other financial crimes. The primary aim is to trace and document every step of the money trail, which often requires analyzing numerous financial documents.
Key Characteristics:
- Examines the source and flow of money.
- Used in combating fraud and money laundering.
- Involves detailed scrutiny of financial records.
Conclusion
Ultimately, while an asset search seeks to uncover economic resources, a financial investigation focuses on the pathways and utilization of financial funds. Both are vital for various legal and corporate scenarios but serve distinct purposes with unique investigative techniques.
What Are Community Property States and How Do They Impact Asset Division?
In the realm of marital asset division, understanding the concept of “community property states” is crucial. These states operate under laws where most assets acquired during a marriage are considered jointly owned by both spouses.
List of Community Property States
Currently, there are nine states in the United States where community property laws are in effect:
- Arizona
- California
- Idaho
- Louisiana
- Nevada
- New Mexico
- Texas
- Washington
- Wisconsin
Additionally, Alaska provides an optional community property system, allowing couples the choice to designate their assets as community property.
Impact on Asset Division
In community property states, all marital assets and debts acquired from the beginning to the end of the marriage are typically divided equally between the spouses during a divorce. The idea behind this is to ensure an equitable split, reflecting the joint effort both partners invest in the marriage.
Unlike community property states, the majority of other states follow what’s known as the Equitable Distribution rule. This guideline, established by the Uniform Marriage and Divorce Act §307 (UMDA §307), mandates a fair—though not necessarily equal—division of marital property. Importantly, marital misconduct does not influence this division process in equitable distribution states.
Understanding these distinctions is vital for navigating divorce proceedings and ensuring a fair outcome based on the laws applicable to your state.
Understanding Wage Garnishment Laws Across Different States
Wage garnishment laws can vary significantly across the United States, with each state having its own specific rules and exemptions. Most commonly, these laws allow creditors to reclaim debts, including those from credit cards and other commercial obligations, directly from an individual’s earnings. However, there are notable exceptions and unique conditions depending on the state.
States with Restrictive Garnishment Rules
In Texas, Pennsylvania, North Carolina, and South Carolina, the scope of wage garnishment is more limited. In these states, garnishing wages is typically restricted to recovering debts related to unpaid taxes, child support, federally backed student loans, and court-mandated fines.
Special Exemptions in Some States
Florida, for instance, offers a “head-of-household exemption.” This exemption shields individuals who provide more than half the financial support for a child or other dependents from having their wages garnished. This means that the primary provider in such households is protected from creditors seizing their earnings to recover debts.
General Rules and Considerations
Aside from these unique state-specific laws, federal regulations also provide a guideline. Creditors are generally required to follow a legal process to garnish wages, ensuring that employees receive a notice and have an opportunity to contest the garnishment.
Understanding these distinctions can be crucial for anyone navigating financial obligations across state lines. Always consult local laws or a legal professional to get the most accurate, relevant information.
Understanding the Bank Levy Procedure
A bank levy is a serious measure employed by creditors to collect outstanding debts directly from a debtor’s bank account. This process involves several key steps:
- Account Freeze: Upon receiving a levy notice, a bank is obliged to immediately freeze the debtor’s account. This means any withdrawals, outstanding checks, or automatic payments are temporarily halted unless sufficient exempt funds are present.
- Federal Benefit Protection: For accounts receiving federal benefits, a 2011 federal law mandates banks to review deposits over the preceding two months. This review identifies any exempt funds, such as Social Security, that should remain untouched by the levy.
- Waiting Period: After the levy notice is served, the bank must wait 21 calendar days before transferring the funds as required. This period allows debtors the opportunity to contest the levy if necessary.
- Funds Transfer: Once the waiting period lapses, the sheriff releases the funds on the following business day.
Understanding these steps is crucial for those facing a potential levy, as it provides a window to address or dispute the action taken against their account.
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What We Do
We’re asset location experts with over 30 years of experience and the latest technology to return the answers you need, from locating bank accounts to conducting a brokerage account search to identifying skip trace subjects.
How We Do It
Intelligence West provides professional asset search services with a personal touch. Our team is trained in customer service, client satisfaction strategies, and the specialized skills needed to locate assets.
Why Choose Us?
We offer competitive rates and a speedy turnaround time for all of our services, which means that we can meet your needs whether you’re an individual or an enterprise client.
Get Results with Intelligence West!
With 31 years of experience, Intelligence West has provided asset location services with a professional team of trackers and investigators who can find people and assets.
We offer a network of professionals to find what you need – no matter how difficult it may be!
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