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I've watched a lot of reality shows so I'm basing this all on that. Without any inside information, debt collection is not simple. Companies that specialize it in can do it in bulk and take losses here and there to account for this. It takes a long time and there are a lot of checks and roadblocks. It makes sense, it would suck (if you were quasi) , and have a legitimate debt. But if you look at the history of labor laws and shit having these checks and balances is a good thing. For every deadbeat Tomlinson, there's someone who got into a car accident, went into medical debt, and then the hospital sells the debt to a collection agency and they take all your shit. Or mistaken identity and they impound your car, take your shit and you never really get restitution. Or you have to hire a lawyer and sue the debt collection agency.
So you just follow the process to the letter and you have to be patient.
As for the process, I don't know the specifics obviously but you guys are thinking about it backward. You keep thinking what's the next step or can't he just take the car etc. What are the specific requirements for each of those? Say you want to levy a bank account. So start from the end and then backtrack
(this is just a made up hypothetical as an example)
- To levy an account you need the account numbers
- What verification is needed? Do you need the bank to confirm? Is it by SS#
- Is it exempt? What are the exemption rules?
- What type of service is required? What notice
- How long do they have to respond
- Any other potential caveats
Even if you know a VIN and want to repossess a car. The same things apply. How do you prove it is their car? How do you get authorization? Do you have to notify? So you'd need to start at the requirements for that and then work backwards to see how to get each of those.