How to Find Out If Someone Has a Garnishment Against Them
- 1). Get permission from the person who you are investigating in regard to garnishment to pull their credit report. Once a person has a garnishment against them, it will be listed under "Judgments and Public Records" on their credit report. If you get permission, you can pull their credit report to check for any and all garnishments, judgments,bankruptcies and the like.
- 2). Obtain their social security number and request their credit report from one of the three major credit reporting agencies. In addition to the person's social security number, you will need their address, date of birth and other identifying information such as the amount of loan payments. The credit report will list garnishments under public records and judgments so you will be able to find out whether they have a garnishment against them or not.
- 3). If you cannot get permission to pull the credit report of the person in question, do a public records search at the town library or courthouse for judgments against the person. Many trials--including bankruptcy actions--become matters of public record. If you have a persons' name, you can usually search these public records to find out what, if any, cases they have been involved in, as long as the case did not occur when the person in question was a juvenile.
- 4). Pull the court transcripts from the relevant case file. Once you have done your public records search to find lawsuits brought against the person in question, you may be able to request court transcripts from the proceedings. These transcripts will contain information about whether the person lost the case, how much they were ordered to pay, and in many cases whether those payments will be made through garnishment of wages or not.
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