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We Know Who ‘THEY’ Are
Am I the only one who doesn’t have an “A” button on my computer? I’ve looked on the keyboard, monitor and hard drive, can’t find the damn thing anywhere. No one will tell me where it is.
You know who I’m talking about, don’t you? No, not the one between caps lock and the “S” key.
Let me explain. You can go up to certain people and tell them you’re a tracer. If you’re like me, then you need to explain exactly what that means. You tell them that you use the phone and the computer to locate people who owe money. The usual response I get at this point is “yeah, you can go on the internet and hit the ‘A’ button and – poof! – you can find anyone.” Sound familiar?
is it really that easy? If so, I’ve been doing it the hard way for years. Or do some people think they can do our job better than us? I like to refer to this group of people as “they”.
I think there are some things “they” don’t understand. “They” don’t realize that we only have 4 tools – the phone, the computer, our minds and each other. We then take these tools and use them in various combinations, much like a surgeon dissecting mountains of information until we find our debtor.
“They” don’t understand the myriad of laws such as the FDCPA, FCRA, GLB, and others that guide our research because of fear of what we might do with this acquired knowledge.
“They” don’t understand that we can take the social security number and just by looking at it we can determine that any SSN that starts with 000 or ends with 0000 is not real, or that the first three digits indicate the state in which it was issued We also know that prior to 1972 SSNs were issued when an individual obtained their first job, after 1972 the SSN was issued at birth. Should we tell them that until recently, SSNs were issued in numerical sequence starting in the New England states, then down the East Coast, then Mid-West and finally the West Coast. It is only now that additional numbers are added to the list.
We also know that if the debtor has a hunting or fishing license, this document is a public document. We can get address and phone information from it. And when it comes to public records, there’s a ton of information we can get. These include, UCC, if the debtor has a lien, or if the debtor is a notary, or if the debtor is deceased or if the debtor has been sued, divorced or obtained a judgment.
“They” don’t understand that if we have a debtor’s name, we can go to http://www.bop.gov and determine if that debtor is or was in federal prison. Should we tell them that if we have a possible name, address or phone number that we can contact [http://www.argali.com] or http://www.pretrieve.com and find all sorts of useful information? “They” didn’t know that with just one possible address, we can go to http://www.netronline.com and find out who owns this property, such as the debtor or its owner.
Does “they” know that if we go to the secretary of state page for any state, we can find out who owns a company, who the directors are, and maybe even see the documents filed by the society. I’m sure “they” aren’t aware that we can go to http://www.vinelink.com or http://www.publicrecords.com and find almost any public record available on the debtor so that we can carry out our investigation in various directions.
There’s so much more we do that “they” don’t understand. But, let them think what “they” want. We know the truth. We know our advantages for the overall business process. We know that if we weren’t able to do our job, prices would have to go up due to loss due to inability to collect from those you can’t find.
It is time that we pool our resources, experience and skills by creating a place to exchange techniques and updates so that WE can control the future of our industry.
It’s time “they” know how valuable we are. “We” are interested in your thoughts.
As always, happy hunting.
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