Judgment Debtor Bank Account Search
Garnishing the wrong bank wastes the writ and warns the debtor. We identify which institutions actually hold the money before you spend a levy on a guess.
- Institution and branch identification
- Account type and depository relationship
- Business operating and merchant accounts
- Guidance on levy sequencing and timing
- Compliant sourcing under GLBA
Request an Asset Report
Tell us about the judgment and the debtor. We scope the research and quote a flat fee before any work begins.
How creditors actually locate bank accounts
There is no public register of bank accounts. Anyone who tells you they can query one is describing something that does not exist. What does exist is a set of lawful signals that, taken together, identify with high confidence where a debtor banks.
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Court and filing recordsPrior litigation, liens and filings frequently name the depository
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Payment instrumentsCheques, ACH details and payoff records surface routing relationships
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Merchant and processor recordsBusiness debtors reveal settlement accounts through their processing
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UCC filingsSecured lenders identify the operating institution
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Sworn disclosuresFact information sheets and examinations, cross-checked against records
What cannot lawfully be obtained
Pretexting a bank for account information is a federal offence under the Gramm-Leach-Bliley Act. We say this plainly because the practice is common in this industry and it contaminates the judgment it was meant to help.
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Live account balancesNot lawfully available to a private party
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Transaction historiesRequires a subpoena to the institution
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Anything obtained by pretextA crime, and evidence a debtor can use against you
What we deliver is the institution, the relationship, and enough confidence to justify spending a writ on it.
What the bank research returns
What the report contains
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Institution identificationNamed banks and credit unions with an established relationship
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Branch and regionWhere the relationship is administered, for correct service
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Account characterPersonal, operating, payroll or merchant settlement
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Business depository mappingWhich entity banks where, when several are involved
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Confidence ratingHow strongly each institution is evidenced, so you levy in the right order
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Levy sequencing guidanceWhich target to serve first and why
How we scope and price it
Every matter is quoted individually. We look at the debtor type, the states involved, and how much you already know before we give you a number. There is no subscription and no retainer.
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You send what you haveJudgment, case number, debtor name and last known address
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We scope it and quote a flat feeAgreed in writing before research starts
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You receive the report and an invoiceNo card on file, no automatic renewal
Why sequencing decides the outcome
One levy, one look
A garnishment served on the wrong institution returns nothing and tells the debtor you are hunting. Most debtors move money after the first miss.
Highest-confidence target first
We rank institutions so the first writ is the best-evidenced one, not the most convenient.
Timing against deposits
Balances are cyclical. Payroll and settlement dates matter more than most creditors expect.
Hold the second target
Where evidence supports two institutions, the second is kept in reserve for immediately after the first is served.
Bank account search questions
The report
Judgment Collectability & Asset Report $270
A bounded, debtor-specific research product covering one final judgment and one debtor — an individual or a business. You get a written picture of what that debtor appears to own and whether pursuing them is worth your time.
What the report covers
- Public-record asset and collectability research
- Identifiable real property
- Business interests and affiliated entities
- UCC filings and recorded liens
- Relevant litigation and bankruptcy indicators
- Known addresses and employment indicators where lawfully available
- Written findings identifying potential collection targets for further investigation
What it does not do
- No guaranteed bank-account discovery
- No guaranteed recovery
- No representation that every identified asset is legally reachable
- No legal advice
- No enforcement filing or attorney service included
- Additional debtors or unusually complex investigations may require a separate quote
How it works
- Send the request below with your judgment and debtor details.
- We review it and confirm the scope with you — including whether your matter needs a separate quote.
- We send a Stripe invoice. Work begins once it is paid.
- Findings are typically delivered within three business days after payment and receipt of sufficient identifying information.
This is research, not legal advice, and it is not an enforcement or attorney service. Nothing here guarantees recovery.
Request an Asset Report
Send the judgment and what you know. We scope it, quote a flat fee, and only start once you agree.
Or call us: 352-353-4556