ULPT How to get bank account of someone that owes me money?
Posted by epushepepu@reddit | UnethicalLifeProTips | View on Reddit | 36 comments
BANK NAME*
Just need the bank name, not account.
I had garnished my landlord for the security deposit they never gave me back. He then filed a claim and got his account unfrozen because I had failed to provide my address. Which I was told I could leave out since I don’t want this person knowing where I live for safety concerns.
Now I have to refile but I’m sure he has switched bank accounts. He’s an insurance broker and I just don’t know how to get this info to place the garnishment again. The court has failed me and now he’s suing me for “property damages” to get away with my security deposit and then some! I’m thinking of getting a lawyer for that but would like to know how I can find bank account to garnish it.
Mister_Silk@reddit
Since he has now filed suit against you just file a discovery motion for the information/records you want him to produce.
epushepepu@reddit (OP)
Thank you, I’m going to look into this. I don’t want a lawyer involved so I’m doing as much research as possible.
Sweihwa@reddit
Where do you live?
Apprehensive_Hat8986@reddit
Get a lawyer. If/when you win, file for costs and the landlord will get hit with your lawyers fees. Since the guy is using the law to retaliate, any decent lawyer will convince the judge to teach this guy a lesson.
rafamundez@reddit
For the record, since this would be a cheaper 1 off cost, I’d recommend getting a lawyer.
If you’re doing your own research, hopefully you’re using ChatGBT/Claude.
epushepepu@reddit (OP)
Of course!
Pretend_Act@reddit
Do NOT use LLMs for this, lol. They can be inaccurate.
some_user_2021@reddit
They can also be very helpful, just don't blindly trust their output.
Pretend_Act@reddit
There are also many other reasons to not use them.
epushepepu@reddit (OP)
I’m figuring out as I go lol. I work in IT so I have some knowledge on correct prompting but I always have to verify
Pretend_Act@reddit
They're also extremely harmful in other ways, including financial and environmental, to be fair.
Unhappy-Ladder-4594@reddit
We don't care.
Pretend_Act@reddit
Okay. I know the people who are getting poisoned by data center pollution and paying insanely inflated energy bills care and so does anyone with a brain they actually use, but glad to know you don't.
epushepepu@reddit (OP)
I’m aware 😞 the pros and cons of progression
Unhappy-Ladder-4594@reddit
You can petition the court for him to be required to submit an asset disclosure, so you can then see what is available to levy for judgment enforcement. Failure of the defendant to answer the disclosure accurately is a criminal offense.
mrenglish22@reddit
Get a lawyer involved.
thinkshiftster@reddit
Also ask for the actual bank statements so you can see who pays them regularly. You can send garnishment notices to those payors as well. This will make them want to settle quickly ;)
Flakarter@reddit
If you are in the US, and you already have a judgment, which it would seem you do since you already obtained a writ of garnishment, you can issue discovery request against the landlord in that case.
In fact, the many instances you can set them down for a deposition regarding their assets. And you can send requests for production of documents.
epushepepu@reddit (OP)
Since it’s a small court claim, I can’t issue discovery. And I can only do bill of particulars thru a lawyer or if the judge issues it. I’m thinking of just getting a lawyer tbh and seeing if I can have him pay the fees since I doubt his lawsuit is valid.
Flakarter@reddit
Are you sure post judgment doesn’t allow discovery regarding assets? That would be strange.
syncboy@reddit
If you have a judgement, there should be a mechanism for you to get subpoenas to financial institutions. Find every bank that’s within a 15 minute drive or walk of his office and send them the subpoena.
This is ethical though.
IAmTheLizardQueen666@reddit
Has it been more than 30 days since you moved out? It may be too late for “damages” to be claimed. Google search renters rights for your state.
epushepepu@reddit (OP)
Yeah no it’s been 3 years lol
Bass-Traffic-0000@reddit
Send him a check yourself or have someone else send one to him for $5 or $10. Hopefully he deposits it and then you can request the cancelled check from your bank and you could see the details of where it was deposited.
epushepepu@reddit (OP)
I was going to do this. Since he sells insurance. I can have someone buy a cheap policy and send a check. And then request where it was deposited. Since he’s an insurance broker, I’m not sure how to garnish thru employer
Bass-Traffic-0000@reddit
Just send him a check directly. There's a good chance he will deposit it.
Then from your own bank request the cancelled check which will have info marked on it regarding where it was deposited.
Google "America's cheapest zillionaire" to find out about an experiment that sent small checks to rich folks.
imezz00@reddit
Unless you soon is insurance company getting the bank location of the business account isn’t going to do anything for you. It’s a much more complicated and different avenue to try to go after his businesses assets assuming that they are under a corporate entity. You need his personal account.
imezz00@reddit
Has it been 30 days since the move out and has he giving you a detailed cost sheet on the damages? In most states if he hasn’t done that in 30 days he can file all he wants but the law is pretty strict on 30 days or forfeit the ability to charge for any damages.
epushepepu@reddit (OP)
It’s been 3 years since I’ve lived there. Only reason they’re suing is because I filed a motion to garnish their wages and froze their account. He was able to unfreeze them because of the damn address thing
imezz00@reddit
Then you don’t really have anything to worry about. No court is going to award him damages to a property you occupied 3 years ago unless he communicated the damages and charges within the original 30 days and you just don’t pay. The fact that you were awarded important in the past and hit a hiccup with the address issue doesn’t suddenly give them rights. You can open up a lawsuit against anyone. Filing a suit and winning are two different things.
CandidInfluence4312@reddit
Mao was right about the filthy fucking parasitic lords of land.
Character_Bed1212@reddit
Do you have cancelled checks from when you paid rent
discoduck007@reddit
This sounds like might be bordering on or actually a serious crime.
diablodeldragoon@reddit
For those who may need it. I suggest the rentcheck app. It lets you create a move in inspection and a move out inspection.
You setup rooms for the rental, take very thorough pictures and list notes about any issues. It'll let you email a copy of the report to the landlord and it gives you a log of everyone you sent the log to, as well as showing if they opened the report.
Then you can do a move out inspection and send the landlord that too.
If they try to hold your deposit or sue you, it is a very valuable tool. The report is time stamped. You can show that those issues were preexisting and that you reported them 2 years ago at move in.
_Hero0fTime_@reddit
Assuming you are from the US and that you don’t yet have a judgement to collect, you could write a demand letter to your former landlord. Get a PO Box for your return address, and write a letter something to this affect and send it by CERTIFIED mail.
Jun 01, 2026
Re: Demand for payment
Dear Bitchboy McLandlord:
Please be advised that Bitchboy McLandlord owes me the sum of $12500 because you a hoe. This will be
your only chance to settle this matter before I file suit against in Small Claims Court. We can discuss a lump
sum payment, or a payment plan. Please contact me on or before Jun 11, 2026 for purposes of settling this
matter. If I do not hear from you on or before Jun 11, 2026, I will file a lawsuit against you without further
notice. It is in your best interest to settle this matter before a lawsuit is filed. If a judgment is obtained you will
be ordered to pay the debt plus 10 % interest and court fees. Additionally, your ability to get credit may be
effect.
Based on the foregoing, I expect payment in the amount of $12500 made payable to me, Epushepepu, no later
than Jun 11, 2026. (I can be reached at the phone number or address above.) If you decide to ignore this
demand for payment, I will further pursue all legal remedies available without further notice. This letter serves
as evidence that I have attempted to resolve this matter informally.
Sincerely,
Epushepepu
Letter generated by https://selfhelp.courts.ca.gov/form/demand-letter
I had to do this at my first job to settle wage theft, and my employer did not pay until I sent a letter telling him I got a judgement and filed a lien on his business. All of that is free. If you have a judgement, you can change the letter.
ctjanjic1@reddit
Knock on the door of the current tenants and explain the situation. They’ll probably appreciate the heads up that their landlord might do this to them.
A similar thing happened to me, but I only made contact with the tenant because they reached out to me when I had a package mistakenly delivered there. They looked me up on Instagram. When we met in person, I told them my situation and asked if they would be willing to share the landlord’s new address since we were having trouble recovering the deposit we won in small claims. They appreciated knowing what to look out for when they move out.