How the reports work — and what they don't do.

Reports pull from public records: county appraisal districts, county clerk deed indexes, Secretary of State UCC filings, Secretary of State business registrations, and federal bankruptcy dockets. We don't use GLBA-restricted databases, skip-trace services, or credit-header data.

This limits what we can find — but it means the reports sit cleanly on top of your case file without creating new compliance exposure.

Each factual claim in a report links to the public-records source it came from. If you need to verify something or pull the original document for a filing, the URL is there.

Claims that contribute to the recovery score carry a confidence label: High, Medium, or Low. Confidence depends on source freshness, source authority, and whether the fact is corroborated elsewhere. We don't hide uncertainty behind a single score.

State exemption rules — homestead, personal property, retirement, insurance proceeds — are encoded as deterministic logic for the jurisdictions we cover. The model can't mark an asset as exempt or non-exempt unless the rule engine returns a finding.

Coverage is expanding. If a jurisdiction isn't supported yet, the report says so rather than guessing.

Bankruptcy filings are checked at intake. If an active case is found for the debtor, you get a notice with the case number and filing date instead of a report.

Reports run a jurisdiction-specific statute-of-limitations check on the judgment, including dormancy posture and revival eligibility. Expired or imminently-dormant judgments are flagged so you see the issue before deciding whether to pursue.

Reports describe the facts and the recovery posture. They don't tell you what to do. Advisory language (“you should,” “we recommend”) is filtered out before delivery. Your firm decides the strategy.

We don't contact debtors — no calls, no emails, no letters, no visits. The service is research only.

Public records have gaps. We can't see bank accounts, brokerage holdings, or assets held in states we don't yet cover. We can't guarantee that a property hasn't been transferred since the last county update. The reports tell you what we found, not everything that exists.

If something looks off, treat it as a lead to verify — not a final answer.

Methodology and compliance posture are reviewed by an external advisory group that includes practicing creditor's-rights attorneys. They catch mistakes we miss.