How Do I Find Someone Who Left Me in Debt?

Being left with someone else’s debt can be extremely frustrating. Whether it’s a former roommate who stuck you with…
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Being left with someone else’s debt can be extremely frustrating. Whether it’s a former roommate who stuck you with a lease or an estranged spouse or partner, being left to shoulder the burden of shared debt alone is difficult. The good news is that there are ways to conduct public records searches to locate the person who left you with debt. If you’ve been left with debt and want to know more about people finders, how to access public records, and how something as simple as a phone number or last name can be enough to start your debt collection process, read on.

Data Sources at Your Fingertips


Many people don’t realize how easy a people search can be. Like it or not, the World Wide Web does not have a privacy policy, making public records easy to find. With the help of the internet and companies like ProPeopleSearch, it’s easy to look up a person’s basic contact information and do an extensive background check online. Whether you have a cell phone number, first name, last name, former address, or date of birth, using a people finder service is a great way to get any peoplefinder information you need online.

Depending on how much information you need to locate the person who owes you money, a people finder search can go as deep as finding out other identities and credit histories, giving information about credit scores and bankruptcies, and giving you access to court records. With as little as a person’s name, you’ll be able to get information like criminal records, email addresses, past and current addresses and zip codes, and more. All of this information could help you in getting back whatever money is owed to you by your borrower.

Calculating Debt


When searching for a person’s name and background information to collect on a personal loan, you’ll need to be sure you know exactly how much the person owes you. For many people, using a self-help tool like a personal loan calculator is a great way to keep track of the money owed to you over the life of the loan. Having this information on hand is a good way to know you’ll be ready should you need to take legal action against someone who owes you money. Your lump sum verdict could even depend on how well you keep track of what’s owed.

Maintaining Personal Records


Not only will you want to keep records of information from your background check, but it’s important to have on hand the financial information that proves someone owes you money. This can be as simple as organizing letters and documents on payment options as well as financial records and bank account information that proves what’s owed and any late fees that are accumulating. Keep good records of any conversations about repayment options or late payments, too. The more you can show your track record with the borrower in default, the better.

For example, if you loaned someone money out of your checking account, you’ll want to go to your bank to get records of the money you lent out. Any information about the loan balance, terms of the loan, type of loan, and why you believe someone owes you money will be important to have at your fingertips whether you decide to pursue a small claims case, contact an attorney, use a collections service, or collect on the loan yourself. The better your records are, the better odds you’ll have of success when it comes to collecting on a debt owed.

In the end, whether you are able to collect on your debt or use people finders and background checks to prevent the same situation from happening in the future, it’s a good idea to understand how background reports and public records can easily help you to locate anyone who may owe you money. Going forward, keeping accurate data when it comes to first names, last names, current addresses, and other contact information will give you the best results in protecting yourself from unpaid debtors. Best of luck to you in your search for whoever owes you money.