Having debt isn’t always a bad thing. Most people can’t afford to pay for big expenses like education, cars, or houses all at once. As long as you can manage your debt and pay your bills on time, it can actually help build your credit. This makes it easier for banks to lend you money when you need it.
But sometimes, unexpected events like losing a job, going through a divorce, or dealing with a family tragedy can really mess up your finances and make it hard to pay back your debt. When this happens, lenders usually try to work out a new payment plan with you. If that doesn’t work and you miss payments for a long time, your loan might be labeled as bad debt. To get their money back, creditors might hire collection agencies.
Finding people who haven’t paid their debts can be tricky. Moving to a new place, even to a different state, doesn’t make old debts disappear. Collection agencies are good at tracking people down, using databases with public records. Since this information is public, what they’re doing is completely legal.
However, finding someone with just public information can still be hard without a little extra help. That’s where companies that gather public records come in handy. They help lenders, investigators, and others find people who haven’t paid their debts. These companies pull together data from phone records, property records, surveys, and more, looking through millions of Australian records to find a match.
A Person Locator service can legally and easily find folks who have moved, bought or rented a new place, or started a new phone service. These databases use various data points like birth year, past addresses, or even old names to find out where someone is now. One of the main advantages of these databases is that they’re updated often. So, even if one piece of information is out of date, others might be current, giving an accurate address and phone number for the person.