People who need a bank account search or asset search of an individual or business usually is the result of a broken promise, breach of contract or poor judgment.  In most cases it is a creditor or ex-spouse who is needs a bank account search to recover money that is owed to them.  We have put together a few tips that creditors should consider before performing a bank account search or asset search.

Tips before Performing a Bank Account Search or Asset Search

• Investigate the debtor’s credit profile or order a credit report before performing the search, you might not be the only creditor pursuing the debtor.  More creditors increase the likelihood that the debtor is not keeping their money in a bank account linked to their name or social security number. Credit Profiles and credit reports are less expensive and might inform the creditor that now is not the best time to pursue the debtor.
• If you are going to use a service to perform a bank account search or asset search ensure that you will have a qualified investigator performing the bank account search and ask for references. Verify that you have a point of contact to discuss the results after the bank account search or asset search is performed.
• Make sure that your search provider reports are compliant with the GLB Gramm-Leach-Bliley Act (GLBA) and the Fair Credit Reporting Act (FCRA).  The internet is rife with entities making extraordinary claims.  If you are the individual requesting the bank account or brokerage account search you must have permissible use.
• Consider the option of an employment search, if you are looking to levy bank accounts or brokerage accounts if you locate the debtor’s employer you can be in a better position to garnish their wages. In some cases it is more difficult to hide employment than money. If your debtor is in NJ there are ways of achieving exceptional results with certain employment verifications.

That being said performing any asset search is hardly a sure thing, finding open accounts of individuals who don’t want them to be located can be difficult. We recommend is that have a discussion with a provider with experience and explore all options available to you. If you would like more information please contact us at (862) 437-1064, visit us on the web or at admin@capinvestigations.net

With more than 12 percent of the population over the age of 65, the elderly are prime targets for elder abuse.  If you have a loved one who is a senior, it is important to know the signs of abuse—and what you can do about it.

It is a difficult decision to move a loved one into a care facility, or hire a caregiver, without your own ability to monitor the situation on an ongoing basis.  If you suspect neglect, or elder abuse, it is important to act.

With age, we all suffer mental and physical decline.  It is all too easy for loved ones to become victimized.   Forms of neglect or elder abuse defined by the National Council on Aging (NCOA) include:

• Hurting or inflicting mental or physical  injury on an older person is elder abuse
• Assaulting an older person through bullying, harassment, or threat is emotional abuse
• Intentionally denying care, medication, shelter, or needed assistance is called willful deprivation
• Passive neglect and confinement involve failing to provide needed medical care, food, clothing, shelter, or isolating and restraining a person

The National Criminal Justice Reference Service (NCJRS) offers sobering statistics that underscore the importance of knowing who is taking care of your family member, and how they are being treated.  Consider these facts:

• Over 50 percent of nursing home staff admit to abusing or neglecting older patients
• About half of American seniors suffering from dementia are abused by caregivers
• Verbal abuse is the most common form of elder abuse, followed by neglect and physical abuse
• More than five percent of the elderly suffer financial exploitation by a family member

Capital Investigations can help you establish and document the level of care experienced by your loved one.  A licensed practical nurse (LPN) or registered nurse (RN) can assess the care of your family member through unscheduled visits, or covert observation.  We also provide help documenting elder abuse or neglect through the use of cameras that monitor visits and services inside and outside of a residence.

According to the NCOA, one in ten people over the age of 60 have experienced elder abuse in the United States. When you need to be sure your family member is safe, we can help.  Call us today.

How to collect a judgment in NJ- 80 % of judgments remain unsatisfied in the United States? The reason a judgment remains unsatisfied is not related to the nature of the judgment (breach of contract, unpaid child support, default of payment etc…) the reason is usually rooted in:

• Creditors are not equipped to obtain the information required to serve a successful writ of execution (bank accounts, place of employment).
• Creditors get discouraged after certain period of time and feel they are committing good money after bad in pursuit of enforcing the judgment.
• It is not difficult for debtors to find another individual to open an account for them to divert funds.

We are not implying that all judgments have the ability to be satisfied; more often than not you will not be able to get blood from a stone.  Debtors might not currently have the assets; there is a good possibility that the debtor will never have the assets to pay off the debt.  The common denominator of all judgments that have been satisfied is the ability to acquire the most up to date information concerning the debtor’s bank accounts, current assets or employer.  Most creditors have financial or employment information that is out of date, inaccurate or in some instances just here say.

How can a creditor get the edge the most recent financial or employment information on a debtor without spending a lot of money?

Asset Searches

Capital Investigations asset searches can locate bank and brokerage accounts of debtors using FCRA and GLB compliant searches to find. If there is an open account in their name Capital Investigations has the ability to find it, our searches are performed on a state or nationwide basis. We also have the ability to locate a brokerage accounts, keep in mind that retirement accounts cannot be levied. We have identified hundreds of thousands of dollars for our clients and  collect the money that is owed to them.

Employment Searches

If a debtor is employed in New Jersey, Capital Investigations can identify their employer giving our clients the ability to garnish their wages. Most investigations firms when retained to identify an employer rely on outdated databases or old credit reports.   Our employment searches incorporate our vast network of private investigators throughout the state to conduct traditional surveillance or if needed follow an individual to their employer.

Lifestyle Investigation

A debtor may sometimes close his bank accounts and transfer their assets into another individuals name or accounts. On paper a debtor may have no assets but you know that they drive a luxury car, live in an expensive home or be a member of exclusive county club. Capital Investigations can perform a surveillance investigation to document the quality and lifestyle a debtor living. We can also identify the owners of the asset and identify any possible fraudulent transfers.

One irrefutable fact is that if you are not proactive in enforcing a judgment and  wait for judgment debtor to pay you, you will almost certainly in the 80% don’t get paid.  If you own or know of anybody that has an unsatisfied judgment let us know if you have any questions or if we can assist you in any way.  You can contact us at (862) 437- 1064, visit us onw the web or admin@capinvestigations.net.

Clients in NJ can obtain 24 hour 7 days week surveillance investigation at a fraction of the cost of traditional surveillance.

Technology often is private investigations best friend, in the past to conduct a surveillance investigation investigators had to rely on clunky cameras and have a physical presence to document a certain behavior or activity. Obtaining good evidence for a case was often dependent on committing numerous hours while also hoping for a little bit of luck. Traditionally surveillance investigations involving family law, breach of contract or insurance cases meant significant invoices and inconsistent results. We are always excited when we identify a new surveillance technology that is provides superior evidence, more cost efficient and can be utilized in numerous of types of surveillance investigations.

Time lapse cameras have changed the way a number of surveillance investigations are performed, cameras are usually placed in covert location on public property or at a location where the owner has given consent. The camera is programed to take a picture approximately every 5 to 10 seconds; one day’s results can yield four to five thousand pictures. Depending on the cameras settings the cameras storage card will be required to be swapped out every five to seven days.  Our office then takes the raw surveillance footage and documents the evidence pertinent to their case. All surveillance evidence obtained by our cameras has been deemed admissible by the courts.  At the conclusion of the surveillance investigation we provide a bound report containing time and date stamped pictures and details of the evidence. The investigation report can be anywhere from two to three hundred pages depending on the length of the investigation.

To date we have been successful in using the time lapse  camera in the following investigations:
Family Law: Cohabitation, Custody, Alimony Modification
Collections: Judgment Recovery, Employment Verifications
Litigation: Breach of Contract, Violation of Non-Compete

Aside from providing superior coverage and powerful evidence the cost of deploying a time lapse camera is a fraction of what a traditional surveillance investigation would cost. If you have questions on the applications of the use of a static camera in surveillance investigation please contact us at (862) 437-1064, visit us on the web or admin@capinvestigations.net .