Is TrackMyDebtor.com Legal to Use?

The Short Answer: Yes

Searching public government records is legal. Every data source TrackMyDebtor uses — county property records, court clerk systems, public business registration records, federal aircraft registration records, federal vessel documentation records, and federal bankruptcy courts — is a publicly available government record. Anyone can access these records. TrackMyDebtor automates and aggregates that access on your behalf.

Judgment creditors have a legally recognized right to pursue collection of a valid court judgment. Searching for assets to satisfy that judgment is a routine, lawful part of the collection process — one that attorneys and professional collection agencies perform every day.

All Data Sources Are Public Government Records

TrackMyDebtor does not access private databases, credit bureaus, banking systems, or any other non-public source. Every record we retrieve is publicly available — meaning any member of the public could walk into a county recorder's office, search a court's online docket, or query a state business registry and find the same information.

The five categories of public records we search:

• County property and deed records — recorded with county recorders and assessors, publicly accessible by law
• Civil court filings — court records are public record in the United States except in specific sealed-case circumstances
• Business registration records — all 50 states maintain publicly searchable business entity registries
• Federal aircraft registration records — a federal public database of all registered civil aircraft in the U.S.
• Federal vessel documentation records — a federal public database of documented vessels
• Federal bankruptcy filings — publicly accessible federal court records

We search these records on your behalf and deliver results to your dashboard. We do not create or invent data — we retrieve what government agencies have already made public.

Designed for Legitimate Judgment Creditors

TrackMyDebtor is designed exclusively for people and organizations that already hold a court judgment. A judgment is a legal determination by a court that someone owes you money. Once you have that judgment, you are legally entitled to pursue collection — and that includes searching for assets to satisfy it.

The service is appropriate for:

• Individual judgment creditors who won a civil lawsuit
• Landlords and property managers with a judgment for unpaid rent
• Attorneys representing clients in collection matters
• Businesses with unpaid commercial judgments
• Paralegals and legal support staff managing judgment portfolios

If you do not have a court judgment, this service is not designed for you. See Who Should Use This Service? for the full picture.

FCRA Note: Not a Consumer Reporting Agency

The Fair Credit Reporting Act (FCRA) regulates "consumer reporting agencies" — companies that assemble consumer information for specific regulated purposes such as credit decisions, employment screening, insurance underwriting, and tenant screening. TrackMyDebtor is not a consumer reporting agency, and the data we provide is not intended or permitted for any of those regulated purposes.

Specifically:

• Our data is not for credit, lending, or financing decisions
• Our data is not for employment background checks
• Our data is not for insurance underwriting
• Our data is not for tenant or housing screening

Our data is solely for judgment collection purposes — specifically, to help a creditor whose name appears on a court judgment identify assets that may be used to satisfy that judgment through lawful legal process. By agreeing to our Terms of Service, you confirm that you are using the service only for this purpose.

Your Responsibilities as a User

While searching public records is legal, what you do with the results must also be lawful. You are responsible for:

• Respecting bankruptcy automatic stays. If your debtor has filed for bankruptcy, 11 U.S.C. § 362 automatically stays most collection efforts. TrackMyDebtor will alert you to a bankruptcy filing — but once alerted, you must stop active collection and consult your attorney immediately.
• Following state execution and collection laws. Every state has its own rules about levying on bank accounts, garnishing wages, executing on real property, and seizing personal property. Results from TrackMyDebtor tell you what assets may exist — your attorney advises on what legal steps to take next.
• Not harassing debtors. Information about a debtor's assets is for lawful collection purposes only. Using information from this service to harass, threaten, or intimidate any person violates our Terms of Service and may violate state and federal law.
• Using only your own judgment data. You may only monitor debtors for judgments on which you (or your client) are the named judgment creditor. Monitoring debtors on behalf of others without authorization is prohibited.

Read the Full Legal Documents

For the complete, legally binding terms governing use of the service, see:

• Terms of Service — acceptable use, prohibited uses, account termination, and limitations of liability
• Privacy Policy — what data we collect, how it's used, and your rights
• Terms of Service — Plain Language Summary
• Privacy Policy — Plain Language Summary