Landlord Debt Locate

How to Find a Former Tenant Who Owes Rent Through Their Employer

Your tenant is gone, the arrears are real, and the address they left behind turned out to be nobody’s. But somewhere in the file — on the rental application, on a pay stub you photocopied, in the income section you made them fill in — there is the name of a company. Most landlords look at that line, decide the tenant has surely moved on by now, and never touch it again. That is the wrong instinct, and it is expensive. An employer is the single most valuable fact you can hold about someone who owes you money, because employment is the one place where a person’s money, their hours and a physical location all intersect — and it is the exact field an income-withholding order needs in order to work. This page is about how to test whether that line is still true, what to do when the company will not talk to you, and what the answer is actually for.

United States Subjects Not Tenant Screening Since 2004

The Short Version

An employer name on a two-year-old rental application is not a dead lead and it is not a live one either. It is a dated lead, and the first job is dating it, not calling it. The company itself is under no obligation to tell you anything, most will not, and the call risks telling an evasive former tenant that you have started looking. The work that succeeds runs around the job rather than through it: occupational licence registers, prior garnishment writs in the county civil index that name a garnishee employer, bankruptcy schedules, business filings when someone has gone out on their own. What you are trying to end up with is not a brand name but the legal entity that signs the paycheck and an address for it, because that is what a court process has to be served on. That address has exactly two uses: somewhere a person can reliably be served, and — only once you hold a judgment — a garnishee for income withholding, subject to the federal ceiling in 15 U.S.C. § 1673 and whatever narrower cap your state sets. One boundary, stated up front rather than buried: chasing arrears from a tenancy that has already ended is a debt matter, not a screening decision about anybody, and not an employment check either. Our subjects are inside the United States, and this has been our trade since 2004.

Watch: Finding a Former Tenant Through Their Employer

Why the Employer Line Outlasts Everything Else in the File

Money, hours and a location, all attached to one fact.

Take an honest inventory of what a departing tenant leaves behind. The address written on the move-out form is optimistic at best and deliberate misdirection at worst. Whoever was named as an emergency contact is a relative who worked out whose side they were on some time ago. The bank account the rent came from tells you where money left and nothing about where the person went. Every one of those is a record of somewhere the tenant was.

The employer line is different in kind, and it is worth being precise about why, because the reason is not sentiment about how people keep their jobs. It is that employment is the only field in the file that is simultaneously three things at once. It is an income source, which is the thing that determines whether a judgment is collectable or decorative. It is a physical location on a predictable schedule, which is the thing that determines whether a person can be served. And it is a third party with its own legal existence — a registered entity, with an agent for service, that can be ordered to do something. No other line in a rental application is any of those, and the employer line is all three.

That third property is the one landlords consistently underrate. A last known address is inert: you can mail to it and hope. An employer is not inert. Once you hold a judgment, the employer becomes a party a court can reach directly, with duties it must discharge whether or not it feels like helping you and whether or not your former tenant cooperates. The whole reason this errand is worth doing carefully is that it ends somewhere the other leads cannot reach.

There is also a durability argument, and it turns on a distinction that does a lot of work later on this page. Addresses churn faster than occupations. Somebody who has moved three times in four years has rarely changed trade three times in four years, so even where the specific employer is wrong, the occupation usually survives — and an occupation is searchable in ways a residence is not.

If the Employer Line Is Blank

Some files simply do not have one, particularly informal tenancies, inherited tenants and sublets. That is a different starting position and a different method, and it is covered in our guide to locating a tenant who skipped out on rent, which works the whole lease file rather than one field of it. If you have no employer at all and want one found from the person, that is the inverse of this page and it is covered in finding a judgment debtor’s employer. Everything below assumes you are holding a company name and wondering what it is worth.

Who Is Asking Changes What the Rules Are

The same employer name, five different requesters, five different sets of obligations and powers.

If you are…What you may ask an employerWhich collection rules bind youWhat you can compel
An owner collecting your own rent, in your own nameAnything you like, politely; the employer is free to decline all of it and usually will.Generally outside the federal debt-collector definition, because you are the creditor collecting your own debt in your own name. State collection and privacy law still applies.Nothing, until you have a judgment. Ask, do not demand.
A management company collecting in the company’s nameThe same, but the third-party analysis is no longer obvious in your favour.Fact-dependent and worth advice. Collecting a debt owed to another, or using a name that suggests a third party is involved, is where the federal rules start to reach.Nothing pre-judgment; the same post-judgment tools as the owner, brought in the right party’s name.
A collection agency holding the accountOnly what the location-information rules permit, and never a statement that a debt is owed.The Fair Debt Collection Practices Act, squarely. 15 U.S.C. § 1692c(a)(3) and (b) apply to workplace and third-party contact.Nothing directly. Enforcement runs through the creditor’s judgment.
An attorney with a filed caseThe same as the client, plus formal discovery once the case is under way.The Act reaches attorneys who regularly collect debts, alongside the rules of professional conduct and the court’s own rules.Subpoenas and discovery within the case, on notice, and post-judgment examination of the debtor under oath.
A judgment creditor, post-judgmentYou no longer need to ask. You need the correct legal entity and its agent for service.Post-judgment enforcement rules, plus any state cap on what may be withheld and any exemption the debtor claims.An income-withholding order the employer must answer and obey, subject to the ceiling in 15 U.S.C. § 1673.

Two things fall out of that grid and neither is obvious from inside any single row. The first is that the requester with the fewest restrictions on what they may say — the owner collecting their own rent — is also the one with the least power to compel anything, and the requester with the most power has the least need to talk to anyone. Restraint and leverage move in opposite directions along this list, which is the strongest practical argument for getting to judgment before spending effort on persuasion.

The second is that your row can change without you deciding to change it. Placing the account with an agency, letting a management company collect under its own letterhead, or collecting under a trading name that reads like a third party all move you down the grid, and the obligations arrive with the move. If you are unsure which row you are in, that is a question for a lawyer in your state and not a detail to resolve by assumption.

The First Question Is Not Where. It Is When.

An application field is a snapshot with a date on it, and the date is the whole story.

An employer name on a rental application was true on the day it was signed and has been decaying ever since. Almost every landlord who reaches this question is really asking one thing — is the fact I already have still a fact — and almost every landlord answers it by guessing. Treat the line instead the way you would treat any dated record: not as an answer, and not as worthless, but as a claim with a timestamp that has to be tested against something more recent. The test is cheap and it is usually decisive.

The useful move is to ask what would have to be visible somewhere if the job were still current. If the occupation is licensed, a current licence with a recent renewal date is close to a direct answer, and licence registers are public and dated. If the person has been sued, garnished, divorced or has filed for bankruptcy since the tenancy ended, there is very likely a filing that recites where they work, made under oath and long after your application was signed. If they have registered a business, the filing has a date and a principal address on it. None of these requires the employer’s cooperation and all of them are more recent than your file.

Where those come back empty, the honest reading is that the employer fact is unconfirmed rather than false, and it can still be worked — but you should know which of the two you are holding before you spend a filing fee on it.

Three Different Ways the Line Goes Stale

The person left. The ordinary case, and the recoverable one: the employer is wrong but the occupation is probably right, which means the trade-specific records below are the route rather than a dead end.

The employer changed shape. Underrated, and it produces a false negative that looks exactly like a false positive. Companies are acquired, merge, rebrand, or move their payroll into a different legal entity. The person is at the same desk doing the same job; the name on the paycheck is not the name in your file. A search that treats the name as the target rather than the person will report the job gone when it is not.

It was never true. Rental applications are self-reported and unverified in a great many tenancies, and an applicant who was stretching to qualify had every incentive to inflate. An employer line that resolves to a company with no record of the person at any point is not necessarily a stale lead; it may be a fabricated one, which changes what the rest of the file is worth too.

Where an Employer-Based Tenant Search Goes Wrong

Four ways an errand that begins with a company name comes apart.

The payroll knows a different name

She signed the lease under the surname she used then. Payroll files her under the one on her Social Security card. A withholding order naming the lease version can come back unmatched even when the employer is exactly right.

The judgment aged out while you searched

Judgments have a life and a renewal deadline set by your state. Finding a garnishable paycheck in the last year of an unrenewed judgment buys you nothing. Check the clock before you commission the search, not after.

You called, and they got the message

A cold call to a workplace is heard by a receptionist and repeated to the employee. On an evasive debtor that single call can convert a findable person into a moving one.

You built the plan on garnishment your state barely allows

Wage garnishment for ordinary contract debt is capped everywhere and severely limited in a few states, with head-of-household and other exemptions on top. Check what your state actually permits before the employer search becomes the whole strategy.

What the Employer Will and Will Not Tell You

The company owes you nothing, and the call has a cost you should price before you make it.

“Call the employer” is the obvious next move, and it is worth spelling out what actually happens when you do, because the outcome is not the one most landlords picture.

Sort the answers into the two piles a payroll office keeps. In the first pile: whether a named person is on the books, and dates and title if they are. Most companies will give a landlord that much to a caller who already appears to know it, and it is genuinely worth having — it is the difference between a lead and a fact. In the second pile, behind a door that only the employee’s own signed authorisation opens: home address, wage figure, shift pattern, forwarding contact. No amount of explaining your balance moves anything from the second pile to the first, and a caller who keeps pushing is transferred until the line goes quiet. The reason is not obstruction and it is not sympathy for your tenant — it is that the company carries the liability for whatever it hands out.

Set against that, price the downside. A call to a workplace is a communication to a third party in which the reason for your interest is either stated or obvious, and the person on the other end frequently mentions it to the employee. If your former tenant is evasive, you have just told them the search has begun and given them time to move. On a cold file that is often the most expensive thirty seconds of the whole exercise. Where a job needs confirming as a fact and you would rather it were done as records work than as a phone call, that is what an employment verification is for.

The deeper point is a change of posture. You are not trying to persuade the employer to help you. You are trying to establish, from records the employer does not control, that a particular legal entity pays this person — because once you have a judgment, that entity does not have to be persuaded of anything. It has to be served.

Before You Dial: Whose Rules Are You Under?

The Fair Debt Collection Practices Act has a rule written specifically about workplaces. Under 15 U.S.C. § 1692c(a)(3), a debt collector may not communicate with a consumer about a debt “at the consumer’s place of employment if the debt collector knows or has reason to know that the consumer’s employer prohibits the consumer from receiving such communication.” Subsection (b) goes further and restricts communicating about the debt with third parties at all — a category that includes the employer — outside a short list of permitted recipients and the location-information exception the Act provides elsewhere. Notably, that subsection carves out contact “as reasonably necessary to effectuate a postjudgment judicial remedy,” which is exactly what serving a withholding order on an employer is.

Whether those rules bind you at all depends on who is making the call, and the table further down this page sets that out actor by actor. The practical guidance is the same either way: say who you are, do not announce the debt to a receptionist, and do not call twice. Where the federal statute does not reach a particular landlord, state collection and privacy law frequently does.

The Public Trail That Runs Around the Job

Six record families that survive an employer's silence, and what each one is dated by.

This is the part of the errand that produces results, and it works because employment leaves marks in records the employer neither owns nor controls. Each family below carries its own currency signal, which is what makes it useful for the dating problem rather than only for discovery.

Occupational and professional licence registers. Most states publish searchable registers for the trades and professions they license — nursing, cosmetology, real estate, insurance, contracting, security work, commercial driving endorsements, and a long tail besides. What earns them first place on a collection errand is narrower than it looks. In the licensed trades the register frequently names the qualifying individual a licence hangs on, or the business it is attached to — and that named business is a legal entity you can look up, resolve to a registered agent and eventually serve. The renewal cycle then dates the whole thing without anyone’s cooperation. Two cautions specific to using a register this way: the address of record is often the licensee’s business address rather than a home, and a lapsed licence means the licence lapsed, not that the person stopped working.

Prior garnishment writs and the civil index. This one is consistently overlooked and it is the closest thing to a free answer. If somebody else has already sued and garnished your former tenant, the writ names the garnishee — the employer — and that filing sits in the county civil index like any other. It is a third party’s verified employer research, done at their expense, and it is dated by the filing. The same index carries the returns and answers the garnishee filed, which sometimes state whether the person was still employed on the date of service.

Bankruptcy schedules. A consumer bankruptcy filed since the tenancy ended is a sworn, dated statement of exactly what you want: the income schedule identifies the debtor’s employer, the employer’s address, how long they have worked there and how often they are paid, signed under penalty of perjury, on a public federal docket. A filing also changes your position materially, so you want to know about it before you spend anything on collection.

Business and entity filings. A former tenant who went out on their own leaves a registration with the Secretary of State: entity name, formation date, principal office, registered agent. Becoming your own employer does not escape the analysis, it only changes which instrument reaches you.

Union, apprenticeship and public-payroll rosters. Building trades, transport and public-sector work are the strong cases, and public employers are the strongest of all — many jurisdictions publish payroll and salary disclosures in which a person is findable by name.

The employer as a records subject in its own right. The last family is not about the person at all. Once you have a company name you resolve the company: registration, status, registered agent, whether it is in good standing, whether it dissolved or was absorbed. That is what turns a brand into a servable defendant.

Which Legal Entity Actually Signs the Paycheck

This is where employer-based collection quietly fails, and it fails at the last step rather than the first, which is what makes it costly. The name on the sign is a brand, a trade name or a franchise; the entity that runs payroll is frequently none of those.

Three patterns account for most of it. A franchise location is operated by an independent franchisee company, and the national brand is not the employer of anyone behind that counter. A staffing agency or professional employer organisation is the legal employer of a person working every day at somebody else’s site, and it is the agency that issues the cheque. A trade name is not a legal person at all, so process directed at it may be a nullity in the strict sense even though everybody knows who was meant.

The consequence is concrete. An income-withholding order served on the wrong entity produces an answer that the named garnishee employs nobody by that name, your writ is discharged, and you pay to do it again after the debtor has been alerted by the first attempt. Resolving brand to legal entity to registered agent before anything is served is not administrative fussiness; it is the difference between a writ that lands and a writ that is returned.

What a Workplace Address Is Actually For

Two uses, one before judgment and one after. It is not a home address and should not be treated as a substitute for one.

Suppose the work above succeeds and you now hold a verified employer, a legal entity and an address. That is not simply a stand-in for the home address you could not find, and it is worth being clear-eyed about what it is good for.

Before judgment: it is somewhere a person can be found. The problem with an evasive former tenant is rarely that nobody knows where they are. It is that nobody can predict when they will be somewhere. A workplace solves precisely that: attendance is scheduled, repeated and known. Service rules are set by each state and vary in the details, but personal delivery to the defendant wherever they are actually found is universally available, and a great many states additionally permit leaving process with a person apparently in charge at the defendant’s usual place of business. Which of those is open to you, and on what conditions, is a question for your state’s rule and your process server — we will not guess at it here. What is true everywhere is that a schedule beats an address. Where the underlying matter is a possession case rather than a money claim, the mechanics differ again and are covered in serving an eviction on a tenant who has moved out.

Two cautions belong with that. Employers refuse entry to servers, particularly in secured buildings, so a workplace attempt is not automatically the easier one. And service at work is visible to colleagues, which matters if you would rather the person paid than resented you.

After judgment: it is a garnishee. This is the use that justifies the whole exercise. A money judgment on its own is a piece of paper. It becomes money when a court’s process is served on somebody who holds the debtor’s property — and an employer holds the most reliable stream of it there is. Once served, the employer is not a bystander doing you a favour; it is under an order, it must answer, and in most states it must begin withholding and keep doing so until the judgment is satisfied or the order is dissolved.

The amount is capped, and the cap is federal at the floor and state law above it. 15 U.S.C. § 1673(a) provides that the maximum part of an individual’s aggregate disposable earnings for any workweek subject to garnishment “may not exceed (1) 25 per centum of his disposable earnings for that week, or (2) the amount by which his disposable earnings for that week exceed thirty times the Federal minimum hourly wage prescribed by section 206(a)(1) of title 29 in effect at the time the earnings are payable, whichever is less.” Note the shape of that: the second limb is a formula tied to the federal minimum wage rather than a fixed sum, which is why you should be suspicious of any page that prints a dollar figure for it. Subsection (b) lifts those restrictions for support orders, chapter 13 orders and state or federal tax debts — none of which is a rent balance. Your state may cap considerably lower, may exempt a head of household, and in a small number of states wage garnishment for ordinary contract debt is barely available at all. That is a question to answer for your state before you build a plan around it.

One protection runs the other way, and it is worth knowing before anyone accuses you of costing a person their job. 15 U.S.C. § 1674(a) provides that “no employer may discharge any employee by reason of the fact that his earnings have been subjected to garnishment for any one indebtedness,” with a willful violation punishable under subsection (b) by a fine of not more than $1,000, up to a year’s imprisonment, or both. Read the words “any one indebtedness” carefully, because they are a real limit rather than a blanket shield: the federal provision addresses discharge over a single debt, and some states extend the protection further. If you are already past judgment and the problem is enforcement rather than location, collecting a rent judgment after the tenant disappears takes the sequence from there.

Collecting Is Not Screening, and This Is Not an Employment Check

Two things this page is adjacent to and is not. The distinction is statutory, not a disclaimer.

A page about a tenant and an employer sits one careless sentence away from two different regulated activities, and it is worth stating precisely why it is neither of them.

It is not tenant screening. This firm is not a consumer reporting agency, and what we hand over does not meet the Act’s definition of a consumer report. 15 U.S.C. § 1681a(d)(1) defines a consumer report as a communication by a consumer reporting agency bearing on a consumer’s “credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living” which is used or expected to be used as a factor in establishing the consumer’s eligibility for credit, insurance, employment purposes or another purpose the Act authorises. Eligibility is the operative idea. Whether to hand somebody a set of keys is an eligibility question. Recovering arrears from a tenancy that has already closed is not one — that decision was taken and acted on before they ever moved in, and all that survives it is a debt. Where the real need is a judgement about somebody who wants to rent from you, the Act routes that through a regulated agency and everything that comes with one: the disclosures, a certified permissible purpose, adverse-action steps. We are none of those things and this page offers no shortcut past them.

The obligation runs to you as well, and it has a shelf life attached. What we produce is a working document for one recovery. When the recovery ends the document has done its work; it does not become part of your permanent records on a person, and the day it is consulted to decide something about anybody — an application, a reference request from another owner, a renewal — it has been converted into the thing this section says it is not.

It is not an employment check either, and the reason is worth getting right. Because the subject of the search is a job, people reach for 15 U.S.C. § 1681b(b) — the provision headed “Conditions for furnishing and using consumer reports for employment purposes,” with its disclosure, authorisation and pre-adverse-action machinery. It does not apply here, and the definition says so plainly. 15 U.S.C. § 1681a(h) provides that “the term ‘employment purposes’ when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee.” Nobody in this scenario is being evaluated as an employee. You are not their employer, you are not considering hiring them, and you are not deciding whether they should keep a job. Establishing where a debtor works so a court’s process can reach the right garnishee is a different act, and citing the employment-purposes rule as though it governed it misstates the law in a way that helps nobody.

One thing we will not do, whatever the paperwork says: we do not contact an employer to make trouble for a person at work. Reporting a debt to somebody’s boss to apply pressure is not collection, it is not part of any lawful locate, and it is not a service offered here.

Where This Search Stops

A workplace is a schedule. That is the fact that has to be handled carefully, and sometimes withheld.

Everything above rests on one property of a workplace: it is where a specific person can be expected to be, at predictable times, most weeks. That is what makes it valuable to a creditor with a judgment, and it is exactly what makes it dangerous in the wrong hands. We would rather say so in the middle of the page than in small type at the bottom.

People walk out of tenancies for many reasons and only some of them are financial. A few go overnight because going was the least dangerous option left to them, and from where the owner stands that departure looks identical to a skip: rent unpaid, keys posted through the door, nobody stopping to settle up. Courts issue protective orders for exactly those circumstances, and nearly every state now runs a confidentiality scheme — Safe at Home and the programmes modelled on it — that puts a substitute state address on file so that the usual records no longer point anywhere near where the person is living.

It matters particularly on this errand that those programmes are built around a residence and the mail that reaches it. They are not designed to conceal a workplace, and in many cases they cannot. A person who has moved house, changed their mailing address and taken every step the programme offers may still be reachable through their job, which is why an employer-based search requires more care than an address search rather than less.

So the rule here is flat. Where the apparent object of a search is a person under an order of protection, or a person who moved house to get clear of domestic violence or stalking, we do not take the work, and money genuinely owed does not alter that. We have turned down paying clients on this ground and will again. Where such a debt is real, the answer is a court that can grant the claim and the safeguards in the same proceeding, which is something no private search can offer.

For readers on the other side of it: the confidentiality scheme run by your own state, and the judge who signed your order, hold powers over records, over employers and over remedies that we have never had. A court can seal a docket and limit what a payroll office is permitted to say. Nothing on this page is a way around either of them.

How an Employer-Led Locate Runs

Four stages, and the second one decides whether the rest is worth paying for.

1

Send the File, Not Just the Name

The employer line as written, the application or pay stub it came from, the dates of the tenancy, the balance, and the tenant’s full name and any second identifier you hold. The date on the document is as important as what it says.

2

We Date the Employer Fact First

Before any wider search, we test whether the job is plausibly current against dated public records — licence renewals, later court filings, business registrations. If the lead is cold you hear that at the start, not at the end.

3

We Work the Record Around the Job

Occupational registers, the civil index for prior garnishment writs naming a garnishee, federal case dockets, entity filings and public payroll sources, cross-matched so no single source has to be trusted alone.

4

You Get an Entity, an Address and the Dates

The legal entity that employs them, its address and agent for service, the sources behind each conclusion and how recent they are, and a plain note on anything unconfirmed. A first read typically comes back within 24 hours.

Who Brings Us an Employer Name

Landlords holding a company name and a balance.

Single-Property Owners

A single rental, a tenancy that ended badly, and a paper application that nearly went in the bin. The company written in its income section is usually the best thing in the folder.

Small Portfolio Landlords

Arrears too big to absorb quietly and too modest to hand a solicitor an open cheque. Whether a reachable paycheck exists is what settles the question of filing at all.

Property Managers

Collecting on behalf of an owner changes which rules apply to you. The locate is the same; the letterhead it is pursued under is not a detail.

Landlord-Side Attorneys

A verified employer entity and agent for service, documented and dated, is what turns a default judgment into a writ that lands the first time.

Owners Deciding Whether to Sue

Filing fees, service costs and time are real. Whether the defendant has a garnishable income stream is the single best predictor of whether any of it comes back.

Judgment Holders on Old Rent Debt

A judgment sitting uncollected for years is often waiting on one fact. Employment is usually that fact, and judgments generally outlive the job the debtor had when you got it.

Our Commitment

We test the employer you already have before we search around it, and we tell you plainly when the line is cold rather than billing you for a search built on a two-year-old application field. What comes back is the legal entity that employs the person, an address and agent for service, the sources behind each conclusion and the date on every one of them. Our subjects are inside the United States, the work runs under a documented permissible purpose, and owners, landlord-side attorneys and creditors have been sending us this errand since 2004. Our skip tracing services page sets out the wider range of what we take on.

Reviewed by the Senior Research Lead, People Locator Skip Tracing — a public-records research firm. What is stated above rests on operative statutory language at title 15 of the United States Code — the federal restriction on garnishment, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act — in the versions published by the Legal Information Institute. Alongside those sit state occupational licence registers, county civil indexes, federal case dockets, Secretary of State business filings, and the working practice of records research that carries a date on every finding. Garnishment ceilings, exemptions and service rules differ from state to state and no particular state’s are set out here. General information only, not legal advice. Permissible purpose, always.

Frequently Asked Questions

My former tenant is self-employed now. Is there still anything to find?

Yes, and the finding gets easier while the collecting gets harder. Working for yourself leaves a Secretary of State registration with an entity name, a principal office and a registered agent, which is a service address handed to you. What you no longer have is a third party holding their wages, so withholding closes and enforcement moves to the entity’s bank account, its receivables, or an examination of the debtor under oath.

What does an occupational licence register actually show me?

The name as registered, the licence number and status, issue and renewal dates, often disciplinary history, and an address of record. Two traps. That address is very often a business address rather than a home. And a register reports a licence, not a job — a person can hold a current one and be out of work, or work steadily in the trade with one that lapsed two renewals ago.

The garnishee answered that the employee left last month. Have I wasted the writ?

No, and the answer is itself evidence: a dated, sworn statement that this person worked there, usually with an end date on it. The gap you now have to close is weeks rather than years. Ask what remained too — several states require a garnishee to report a final paycheck in hand or wages earned but unpaid at the date of service.

If the debtor changes jobs, does the withholding order follow them?

No. The order binds the employer it was served on, and when that employment ends it stops producing money; reaching the next paycheck means identifying the new employer and serving fresh process. That is why collection against a mobile debtor is a repeating errand, and why the employment fact gets dated before anything else is spent. Some states make the old employer notify the court. Do not rely on it.

Two former tenants signed the lease and only one has a job. Can I garnish just them?

Read the judgment rather than the lease. Where the tenancy was joint and several and judgment was entered against both, a creditor can generally enforce the whole balance against whichever one has income and leave them to sort out contribution. Where the judgment names one tenant, or apportions the debt, you are limited to what it says — and going after the other may mean going back to the court first.

Should I put the workplace on the court papers as the address for notice?

Ask your court before you do. Serving process at a workplace is one thing; making it the address of record is another, because hearing notices, exemption claims and every later filing then arrive at somebody’s employer for months. Some courts will not accept a business address for a defendant at all. And a stream of court mail to a workplace is pressure, which is not what the address is there for.

The balance is about two thousand dollars. Is any of this worth doing?

Sometimes not, and we would rather say so before you pay us. Price the whole route — filing fee, service, the locate, preparing and serving a writ, and the months it then runs — against a capped share of one person’s disposable earnings, which yields nothing at all below your state’s exemption floor. A licensed trade and a stable employer usually make the arithmetic work. Casual employment usually does not.

What do you need from me, and how fast is it?

The tenant’s full legal name and a second identifier, ideally a date of birth; the employer line exactly as written, with the document it came from and that document’s date; the tenancy dates, the property address, the balance, and the judgment if one exists. Anything else in the folder is another anchor. Our subjects are inside the United States, and a documented answer usually reaches you inside a day.

Holding a Company Name and an Unpaid Balance?

Send the employer line and the file it came from. We date the lead before we chase it, resolve the brand to the legal entity that actually signs the paycheck, and document an address you can serve — typically within 24 hours. Contact us to get started.

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