Adding Your First Debtor

Before You Add a Debtor

To add a debtor, the following must be in place:

• Your account is created — see Creating Your Account if you haven't done this yet
• Your email is verified — see Signing In to Your Account
• Your security PIN is set — you'll be prompted to enter it when adding a debtor
• Your subscription is active — you need an active plan with at least one available seat

If all of these are in place, you're ready. The process of adding a debtor takes about 60 seconds.

Individual vs. Business: Which to Choose?

The first decision when adding a debtor is whether to monitor them as an Individual or as a Business. Here's how to choose:

Step-by-Step: Adding a Debtor

1. 1
   Log in to your dashboard

   Go to trackmydebtor.com/login and sign in. You'll land on your monitoring dashboard.

2. 2
   Click "Add Debtor"

   Click the Add Debtor button on your dashboard (or the + icon). This opens the Add Debtor form.

3. 3
   Select Individual or Business

   Choose the monitoring type that matches your debtor. This determines which data sources and name formats are used in the search.

4. 4
   Enter the debtor's information

   For an individual: Enter the debtor's legal first name and last name. Include a middle name if known — it improves matching precision when the name is common.
   
   For a business: Enter the full registered legal name of the entity exactly as it appears on state filings. Abbreviations matter — "Inc." vs "Incorporated" can affect match quality.

5. 5
   Select the state

   Choose the state where the debtor is most likely to hold assets. This focuses the property and business entity searches. If the debtor may have assets in multiple states, start with the most likely one — you can add additional monitoring later.

6. 6
   Review and submit

   Double-check the name and state. Spelling errors in the debtor's name will reduce search accuracy. When everything looks right, click Add Debtor.

7. 7
   Enter your security PIN

   You'll be prompted to confirm the addition with your 6-digit security PIN. Enter it to complete the enrollment.

Tips for Getting Accurate Results

The quality of your monitoring results depends heavily on the name you provide. Public records systems are name-based — a slight difference in spelling can mean missed matches.

• Use the legal name, not a nickname. If your judgment says "Robert Johnson," use "Robert" — not "Bob." The county recorder's office uses the name as it appears on deeds and filings.
• Match the name on the judgment. The name on the judgment document reflects what's likely to appear in public records. Use that exact spelling.
• For businesses, use the registered name. A business may operate as "Bob's Plumbing" but be registered as "Johnson Plumbing Services LLC." Look up the exact registered name with the state's secretary of state before enrolling.
• State selection matters. Choose the state where you believe the debtor currently lives or operates — property in other states won't show up in county databases searched for a different state. You can always add monitoring for additional states.
• Middle name helps with common names. If your debtor's name is John Smith, adding a middle name or middle initial significantly reduces false positives and improves confidence in matches.

What Happens After You Add a Debtor

Once a debtor is enrolled, here's the timeline of what happens automatically:

You can view your debtor's profile, current monitoring status, and all alerts from the debtor detail page in your dashboard at any time. You can also trigger an on-demand manual sweep from there for an immediate scan right now.