Newport Beach Collections Private Investigator (800) 733-1950

Newport Beach Private Investigator – (800) 733-1950. Looking for a Newport Beach Private Investigator? At Stryker, we provide professional judgment enforcement remedies, and investigation services to Attorneys, law firms, businesses, and private clients. We are an investigation agency that specializes in representing creditors as aggressively as the law allows in matters of judgment enforcement and recovery. Whether you’re looking to conduct a pre-litigation / pre-judgment asset search, or you already have a civil judgment in place and want to find bank accounts. At Stryker, we bring the same persistent determination to go the extra mile, if that’s what it takes to get you an equitable outcome. Our founder is a designated trial expert for “Asset Searches” and their permissible purpose.  We conduct asset search investigations nationwide, though the core of our investigative expertise arises from the California Civil Court system, which adheres to a higher and often tougher judicial standard. 

Stryker has extensive experience in asset search investigation services and provides the legal industry with litigation support services. This is a comprehensive program that includes searches for assets such as bank, savings accounts brokerage, stocks, bonds, business partnerships. Stryker Investigation Services Inc. operates in full compliance with debt collection laws, and have made substantial investments in technology to provide our clients with the best-in-class access to relevant debtor information, as allowed by the IRS, Federal Trade Commission, US Department of Labor Garnishment laws. In order to conduct an asset investigation, the requestor or creditor must have a permissible purpose. A permissible purpose is defined by a legal right to delve into privileged or private information on an individual or business.

THE TYPES OF ACCOUNTS WE LOCATE

California Vehicle Levy

A vehicle registered to and in the possession of the defendant may be levied on and sold at auction by the sheriff. Your instructions must state the make, year, and license plate number of the vehicle and the address where it can be found. The legal owner may make a claim in which case it must be paid off by you before the vehicle can be sold. If the vehicle is the only one registered to the defendant he receives an automatic exemption of $2,550.00. This means that the bidding at the auction starts at $2,550.00. If this minimum bid is not received, the vehicle is returned to the defendant.

California Wage Garnishment

What can be Garnished? The judgment debtor’s earnings can be garnished, including:

• Wages
• Salary
• Commissions
• Bonuses
• Periodic pension and retirement benefit payments.

Earnings under the Wage Garnishment Law refer to all compensation payable by an employer to an employee for personal services provided by the employee…whether termed “wages,” “salary,” “commission,” or otherwise. C.C.P. § 706.011(a). Vacation or sick pay is subject to withholding as it is received by the employee. Money received through gifts, child support, life insurance proceeds, or income tax refunds is not “earnings” and cannot be garnished. The law is unclear whether money earned by independent contractors is considered “earnings” 

Upon receipt of the summons, the employer must determine the amount to be withheld from the employee’s paycheck and deduct the proper amount from the employee’s pay until the amount of the wage deduction order is satisfied. This amount is generally 25% of the debtor’s net disposable earnings (but exceptions are made for low-income earners, and any income debtor can request the court to reduce the percentage for good cause). Once the levy has been served on the employer by the sheriff or marshal, it remains in effect until the judgment has been paid in full. Because California is a community property state, the wages of a non-judgment debtor spouse are also subject to levy.

California Bank Levy

When a bank receives a notice of a levy, it must immediately freeze the debtor’s account. In addition to being unable to make a withdrawal, the bank account is frozen, any outstanding checks or automatic debit card payments won’t clear (unless there are enough exempt funds in the account). A federal law that went into effect in May of 2011 requires that banks receiving a garnishment order for an account-holder who receives federal benefits, review their deposits for the last two months to determine if any of these funds were deposited, and are thus exempt. By Federal Law, a bank must wait 21 calendar days after a levy is served before sending payment. The Sheriff holds the funds for 20 more days and then releases them on the next business day. Of course, under ideal circumstances, the depositor(s) can waive this waiting period.

Pre-Litigation

Pre-Litigation asset search investigations are a preemptive tactic used to determine what assets or income may be seized in the event a judgment is ordered. Subsequent, information can be used to determine if the judicial venture is economically worth the effort. Evidence obtained during this process can be admissible in court and used at trial to prepare a better case.

A secured position will give a creditor significant leverage over the debtor that may prompt the debtor into a quick settlement.  It may also provide significant protection in the event of a bankruptcy (or even prompt the debtor not to file bankruptcy) because secured debts are not dischargeable.

Call Stryker if you need a PI… stryker finds answers! Dan. Hawthorne

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