The Core Requirement: A Court Judgment
TrackMyDebtor is a post-judgment tool. To use it appropriately, you need a valid, enforceable court judgment — a formal legal determination by a court that another party owes you money. You are the judgment creditor. The party who owes you is the judgment debtor.
If you don't yet have a judgment — perhaps you're still in litigation, or you're considering whether to sue — this service isn't the right fit yet. It's designed for the phase that comes after the gavel falls: locating assets to actually collect what the court awarded you.
Who It's Designed For
You won a civil lawsuit — a personal injury case, a contract dispute, a fraud claim, a small claims judgment — and the defendant hasn't paid. You have the court order in hand, but no way of knowing when the debtor acquires property, starts a business, or files for bankruptcy. TrackMyDebtor watches the public record continuously so you don't have to.
A former tenant skipped out on rent and you obtained a judgment in landlord-tenant court or small claims court. Now you need to find them — or rather, find their assets. Property purchases, new business ventures, and court activity are all signals worth watching for. TrackMyDebtor monitors these automatically.
You represent clients who hold judgments and need to identify assets to execute on. Instead of manually running public record searches on each debtor — or paying for expensive skip-tracing services — you can configure TrackMyDebtor to watch automatically and alert you the moment something actionable appears. Manage multiple debtor files from a single dashboard.
Vendor disputes, contractor non-performance, commercial debt, B2B breach of contract — businesses end up holding judgments against other companies or individuals fairly often. TrackMyDebtor supports both individual and business debtor monitoring, including tracking entity status changes, registered agent updates, and associated business formations.
If you manage a portfolio of judgments for a law firm or collection company, TrackMyDebtor provides a scalable way to maintain ongoing visibility across many debtors. Each debtor gets its own monitoring profile; alert digests are delivered by email so the right person is notified when something worth acting on surfaces.
Who It's Not For
This service has a specific, narrow purpose. It is explicitly not appropriate for:
- General background checks — TrackMyDebtor is not a background check service and should not be used to investigate a person's history for any general purpose
- Tenant screening — using this service to screen prospective renters before a tenancy is prohibited and may violate the FCRA
- Employment screening — results from this service may not be used in any employment decision
- Stalking or harassment — monitoring any person for the purpose of locating, following, or harassing them is illegal and a violation of our Terms of Service that will result in immediate account termination
- Investigating someone without a court judgment — if you don't have a judgment, you don't have the legal standing this service is built around
- Pre-litigation asset searches — this is a monitoring tool for post-judgment collection, not a pre-suit investigation tool
Using TrackMyDebtor for tenant screening, employment decisions, credit decisions, or any purpose prohibited by the Fair Credit Reporting Act is a violation of our Terms of Service. Accounts found to be misusing the service will be terminated without refund. See the full Terms of Service.
Using Results Responsibly
When TrackMyDebtor surfaces a finding — a new property deed, a new business entity, a court case, a bankruptcy filing — that information is a starting point, not a finish line. Here's what responsible use looks like:
- Consult your attorney before acting. Finding an asset doesn't automatically mean you can seize it. State execution laws vary; some assets are exempt. Your attorney advises on the correct legal process for your jurisdiction.
- Stop collection immediately if bankruptcy is filed. A bankruptcy alert is the most urgent notification TrackMyDebtor can send. The automatic stay takes effect the moment a petition is filed. Acting on a judgment after that stay is in effect can expose you to sanctions. Notify your attorney the same day.
- Don't contact the debtor directly based on monitoring data. Debtor contact is governed by state collection laws and, for some creditors, the FDCPA. Use the information you find through proper legal channels — writs of execution, garnishment orders, and so on — not direct outreach that could expose you to liability.
This article describes who the service is designed for and general responsible-use principles — it is not legal advice. Collection law is complex and varies by state. Consult a licensed attorney for advice specific to your judgment and jurisdiction.
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