How do creditors find out where you work?

[MajorMike]

If you get taxed on your pay, then anyone can find out where you work. They wouldn't find out if you were self employed or paid "under the table"..but you know that isn't a good idea.

[lucasgerome]

If you get taxed on your pay, then anyone can find out where you work...

Can you elaborate?
How, exactly, do they do this?

-LG

p.s. Thanks to everyone for the responses so far. I'm glad I found this forum, there's a lot of real-world information coming through.

[no_it_all]

As indicated, since judgments can be renewed indefinitely, it is prudent to take care of this BEFORE you accumulate any real assets or get a job. In many states the statute of limitations on judgments is twenty years, not five...

My <guess> is because of the amount (25K) at the very least you may be served for a debtor's exam so that the creditor can discover any assets. Of the 1 billion dollars of judgments that expire every year, the vast majority of them are well under 10K, many under 5K..for 25K you may get more attention...

[Rintaro]

debtor's exam

Has anyone here ever been summoned for a debtor's exam?

How common is this for a CA for Judgement under 5K?

[Rintaro]

Can you elaborate?
How, exactly, do they do this?

-LG

p.s. Thanks to everyone for the responses so far. I'm glad I found this forum, there's a lot of real-world information coming through.

See the link Below
It is a collection agencies Web Forum You can get an insiders look at some of the technology & tricks they use to skip trace 7 track down debtors.

http://www.insidearm.com/forum/categories.cfm?catid=9&flcache=2734894&entercat=y

[GoingDown]

If you get taxed on your pay, then anyone can find out where you work. They wouldn't find out if you were self employed or paid "under the table"..but you know that isn't a good idea.

Getting paid under the table works for millions of illegal aliens.

[GoingDown]

As indicated, since judgments can be renewed indefinitely, it is prudent to take care of this BEFORE you accumulate any real assets or get a job. In many states the statute of limitations on judgments is twenty years, not five...

My <guess> is because of the amount (25K) at the very least you may be served for a debtor's exam so that the creditor can discover any assets. Of the 1 billion dollars of judgments that expire every year, the vast majority of them are well under 10K, many under 5K..for 25K you may get more attention...

That's one of the good things about Arizona-- most judgments are no good after 5 years. They don't bother to renew them. And our exemptions are rather generous, too.

25K isn't that much anymore. I've known people who got sued for the 45K deficiency balance on their foreclosed house, and when the lawyers figured out that they didn't have any money to pay it back, they dropped it, and the judgment expired.

It all depends upon whether they are judgment proof or not. Lawyers want to get paid. They don't want to waste their time (which is money to them) on a debtor who can't afford to pay up. They look for easier fish to fry.

And this fear of debtor's exams is silly. It is a VERY RARE thing. Why? It costs the lawyers some time, and that's expensive. They can usually find out all they need to know from your credit report and from free public (county and state) databases that they can search online by name and address. For example, in Maricopa County Arizona, they can find out instantly online if you own any real estate, and they don't have to pay for the search. It's 100% free at the Maricopa County website.

Why waste time and money with a debtor's exam?