Wage Garnishment (How do they know)

[lt2828]

Once a collector gets a judgment, how do they obtain your employer information? Let's say I have a new job (and I've been VERY careful not to list this on any credit cards, it does not show ANYWHERE on my credit reports), does anyone know if they they can and how would they find out where I work?

[ByeByeCCs]

In most states there are post-judgment procedures for getting that information. Here in Florida the judgment includes an order that you complete a financial statement that must be filed with the court within a certain time frame. Question number 1 is what is the name of your employer. Rather than worry about what you know they will find out, the key is to protect what you can, eg. close the bank accounts etc.

[AngelinaCat]

Also, attorneys subscribe to online databases that we are not privy to. When we access what we think of as the 'Intenet', or the WorldWideWeb, we are only getting to about 10% of what is actually there. That includes Facebook, Twitter, and all the other things that WE can get to.

It is actually scary when you think about it.

[frogger]

Once a collector gets a judgment, how do they obtain your employer information? Let's say I have a new job (and I've been VERY careful not to list this on any credit cards, it does not show ANYWHERE on my credit reports), does anyone know if they they can and how would they find out where I work?

How? Friends, family, neighbors, old co-workers, facebook, myspace, etc. All it takes is finding that one person that knows, and they normally talk.

[CCC]

If you try to apply for any credit and you list an employer that can be reported to anybody that has been following your credit situation. Also if you pull your credit report and your put your employment information on there.

[bcohen]

The most common way in which a collection agency or law firm finds out if a debtor is working and/or what company the debtor is working for is from information in the debtor's credit report. Other common ways are from contacting friends or family members, social networking website profiles, or by serving you with a debtor's exam or interrogitories.

Of course, if you haven't applied for credit in a long time, and weren't dumb enough to add employment information to your credit report, then it will be more difficult for a creditor to find out if (and where) you are working. If you don't tell your family members where you work, and don't use Facebook or any other social networking website, it will be even more difficult.

[daxtell]

after a creditor obtains a judgment, the court where it was entered can and will then mail you an 'information subpeona' in which they gather all that information.

[Flamingo]

Once a collector gets a judgment, how do they obtain your employer information? Let's say I have a new job (and I've been VERY careful not to list this on any credit cards, it does not show ANYWHERE on my credit reports), does anyone know if they they can and how would they find out where I work?

In today's world it is easy to find anyone - all you need is a little background information and it is obvious they have your SS# since you had credit via that number with that creditor. Unless you haven't worked for the past several years and did not use your SS# for anything, you can be easily traced.