Debtor Tracing and Location Services
Locate debtors who have moved without notice — with addresses verified before you commit to recovery or legal action.
- Licensed investigators — Australia-wide
- 20+ years locating people, debtors and businesses
- Verified results, not unconfirmed database matches
- Confidential handling on every matter
No obligation. We'll tell you honestly whether we can help before you commit.
Start a confidential enquiry
Most enquiries answered the same business day.
Licensed inquiry agent
Registered with the Private Agents Registry, Victoria Police
Ask any firm you are considering for their registration. An unlicensed trace is a risk you inherit.
- years
- 25+ Locating people, debtors and businesses
- law firms
- 500+ Trust us with their matters
- followers
- 1K On LinkedIn
- states & territories
- 8 Metro and regional, Australia-wide
What is debtor tracing?
Debtor tracing locates a debtor who has moved without providing a forwarding address, so recovery or legal action can proceed. We confirm a current residential or business address and verify it before it is reported.
A debt does not become uncollectable because contact is lost — it becomes uncollectable because the file is closed. A trace re-establishes the contact point that every subsequent step depends on: a letter of demand that is actually received, a statement of claim that can be served, or a payment arrangement that can be negotiated.
For ledgers rather than individual matters, the same work is done at volume through our bulk skip tracing and data cleaning service.
Who we do this for
Debt collection agencies
Returning uncontactable files to active collection, individually or across an entire ledger.
Credit managers
Re-establishing contact with trade debtors before a receivable ages out of recovery.
Lenders and finance companies
Locating borrowers and guarantors on defaulted facilities, including asset-backed matters.
Law firms
Confirming an address for service before issuing proceedings or enforcing a judgment.
Utilities and telcos
Recovering on accounts where the customer has relocated without notice.
Small business
Pursuing an unpaid invoice where the customer has become uncontactable.
How it works
- 1
File review
We assess the debtor details you hold and confirm a lawful basis for the trace under the Privacy Act and the ACCC/ASIC Debt Collection Guideline.
- 2
Identity resolution
The debtor is distinguished from others with the same or similar name — critical before any recovery step is taken against the wrong person.
- 3
Address and contact tracing
Current residential and employment addresses are traced across internal and external databases, registries and public records.
- 4
Verification
The address is confirmed against independent sources, and by field call where the matter warrants it, before it is reported.
- 5
Reporting
You receive the confirmed address, contact details where lawfully obtainable, and the full search record.
Why it matters
Serving the wrong address costs more than the trace
An unverified address does not just fail — it creates cost. A statement of claim served at a stale address can be set aside. A demand sent to the wrong person creates a complaint, and potentially a privacy breach. Field agents attend for nothing.
We verify before we report, and we confirm identity as a distinct step, because same-name confusion is the single most expensive error in debt recovery. If we cannot separate your debtor from another person with the same name, we tell you rather than guessing.
What you receive
- Confirmed current residential address
- Employment or business address where traced
- Contact numbers where lawfully obtainable
- Identity confirmation distinguishing the debtor from same-name matches
- Full record of searches performed
- A report suitable for filing and for service of process
Cost and turnaround
- Debtor Tracing from
- $100
- Standard turnaround
- 7–10 business days
- Quoting
- Fixed fee, confirmed upfront
See full pricing
When a debtor cannot be traced
Some debtors genuinely cannot be located — they have left Australia, are deceased, or have no recent recorded footprint. In other cases a location is confirmed but the debtor has no apparent capacity to pay, which is commercially useful to know before you spend on enforcement.
We report either outcome plainly. Knowing a file is not worth pursuing is a result, and it is cheaper than discovering it through a failed enforcement action.
Lawful and compliant
All work is conducted in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles, and under the regulations applying to licensed inquiry agents in each state. We collect only information necessary for the engagement, use it only for that purpose, and hold all documentation securely.
For professional clients this matters commercially as well as ethically — engaging an unlicensed or non-compliant provider transfers risk onto your firm. Read how we operate lawfully →
Australia-wide coverage
We work in every state and territory, across metropolitan and regional areas — including Melbourne, Sydney, Brisbane, Perth, Adelaide, Canberra, Hobart and Darwin.
Investigator licensing in Australia is administered state by state, and our work is carried out in accordance with the requirements applying in the relevant jurisdiction.
Debtor Tracing — frequently asked questions
Is debtor tracing legal in Australia?
Yes. Locating a debtor is lawful where it is carried out by licensed investigators in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. Debt recovery conduct is additionally governed by the joint ACCC and ASIC Debt Collection Guideline, which our work follows.
How long does a debtor trace take?
Most debtor traces are completed within 7–10 business days. Bulk ledger work is scheduled separately depending on volume.
What do you need from me to start?
The debtor's full name and date of birth, the last known address, and any account, phone, email or employment details on file. Vehicle registration, guarantor details and associate names all assist.
Can you trace a company as well as an individual?
Yes. Where the debtor is a company we trace current registered and trading addresses, and can extend to directorship, asset and bankruptcy searches to establish who stands behind the entity.
Do you contact the debtor?
Not as part of a trace. Tracing establishes location; it does not include making contact or collection activity. Where a matter requires the debtor to be approached or served, that is arranged separately as a field call or process serving instruction.
Can you handle a whole ledger rather than one debtor?
Yes — see bulk skip tracing and data cleaning. Files are processed at volume, priced per file, and returned in your preferred format for import back into your collection system.
What if the debtor has moved interstate?
That is routine. We operate Australia-wide across every state and territory, so an interstate move does not require a separate agent or a second engagement.
Will the address stand up for service of process?
It is verified before it is reported, and you receive the full search record supporting it. Where certainty matters we recommend a field call to confirm occupancy in person before service is attempted.
Related services
Skip Tracing
Skip tracing is the process of locating a person whose current address or contact details are unknown. Licensed investigators gather information from lawful sources — public records, registries, credit-header data and open-source intelligence — then verify each lead before reporting a confirmed result.
Learn more →Datawashing & Bulk Skip Tracing
Bulk skip tracing processes an entire ledger or file list at once rather than one matter at a time. Records are traced, updated and verified, then returned in your preferred format — suited to collection agencies, lenders and insurers managing large portfolios.
Learn more →Process Serving
Process serving is the formal delivery of legal documents to a named party, carried out so that service can be proven to a court. We serve documents Australia-wide and provide an affidavit of service on completion.
Learn more →Need to locate someone?
Tell us what you know and we'll tell you honestly whether we can help — before you commit to anything.
Licensed by Victoria Police · 20+ years' experience · Australia-wide