Home Loans and Support

How to Disappear aka Going Private or Hiding from Creditors

Discussion in 'Credit Repair' started by TomEason, Mar 13, 2011.

  1. TomEason

    TomEason LoanSafe Guide Staff Member

    How to Disappear Aka “going private” or “hiding”
    Some forum members might find solace in these ideas. Hiding from debt collectors when you cannot take the pressure anymore, is akin to needing to escape and rehab when your life is spinning out of control.
    Important. A disappearing act is much easier to carry off if the debtor lives alone.

    Reasons you may want to “disappear.”

    To remain anonymous to all creditors and potential claimants or plaintiffs.

    To avoid or evade legal process service of a lawsuit or other adverse action.

    Actions to Consider Taking to Become Non Locatable

    1) Get a PO Box. This is a critical step. Inform all correspondents of your new address. On the USPS application, if asked for street address, you might list a previous nearby address (or you could list a faux address if so inclined). Why? Because a tenacious and persistent creditor might subpoena the post office requesting that info.

    1a) Alternatively, you might sign up for “Earth Class Mail”. With this service, a subscriber can see his/her mail online. When the mail arrives, it’s opened and scanned. This can be a valuable service if affordable.

    2) Tell your local post office (in writing or on a form) to no longer deliver mail to your street address.

    3) In support of #2, either remove your mailbox, or securely fasten it shut and post a notice “Do not leave mail here” on or near your mail box. If you do remove the mailbox or receptacle, I recommend you post that notice somewhere near the front door or entryway.

    4) Do not submit a forwarding address to USPS. That way, all mail delivered to your street address will be returned to sender. Again, be certain you notify all correspondents of your new PO Box mailing address.

    5) If you have a garage, park your car inside and obscure any windows so no one can determine whether or not the car is present.

    6) Keep some of your windows coverings closed enough to preclude visitors from peering inside your home.


    7) Phones, both cell and land line. On the voicemail greeting, change it to the default greeting provided by the phone company/cell provider. Ensure that your name isn’t announced anywhere in that greeting. You can just choose to not answer any incoming calls from either creditor numbers or unrecognized numbers on your caller ID. Turn the ringer way down to barely audible and set the number of rings to only 2 or 3 before it goes to voicemail.

    8) Consider buying two prepaid TracFones (no contract to lock you in). Use one phone for family and friends. Use the second phone only for calling banks, CC companies, and debt collectors. Never call a debt collector or bank or loan servicer from your family and friends TracPhone. When you get tired of incoming collection calls, simply turn that phone off to get a needed brain break.

    9) Or consider a Google phone or other alternative. The benefits are 1) it’s free 2) includes voicemail 3) you hear no ring 4) you get a number in your area code. Provide this number to your creditors as the best and only way to contact you.

    10) Don’t call creditors’ toll free numbers or unknown toll free numbers from a phone that you want to keep anonymous. Your phone #’s ID cannot be blocked on calls to toll free numbers. Also be aware that a creditor’s non toll free number often points to their toll free inbound number, thereby enabling them to see you number.

    Other Non-Phone Actions

    11) Be cautious of being outside or in your yard for an extended period of time during daylight or early evening hours.

    12) Never answer the door for an unexpected visitor. Instead be stealthy to convey the impression no one is home.

    13) Decide in advance on an alias and story. If asked if you are “Your Real Name”, respond with something like “Who?” i.e. acting as if you’ve never heard of the person. You could follow up with something like “Who are you looking for? I think you have the wrong address.” Then, if the visitor asks your identity, refuse to answer, or else give them your alias. If they ask about your status, you can say you’re a house guest, neighbor, house sitter, house cleaner, maintenance person, roommate, etc. You’ll need another alias for the absent tenant (you don’. While this kind of discourse can be fun, if you’re concerned you may get flustered, simply refuse to answer any questions, and ask them to kindly vacate the premises and never return. That is the safest course. And, you are allowed to fib to, or make up stories to tell uninvited guests; after all you’re on your property!

    14) Update your credit reports at the three major CRAs. Creditors use loads of online database information, like credit reports, to chase debtors. I recommend you order a credit report on yourself, and in that process, provide the new mailing address. This will feed the new contact info to the creditors and aid in the hiding process for you.

    In Summary

    While not foolproof the above actions can be very effective.

    The above recommended tips will not keep one hidden from a creditor willing to spend a lot of time and $$ to hunt a debtor down, but it will help shield the debtor from 97% of the chatter and grief he/she may be experiencing now. A determined creditor, or other entity, might, if the $$ sum sought is large enough, pay for a skip tracing or other locating service, or even a private investigator, to locate the debtor.
  2. TomEason

    TomEason LoanSafe Guide Staff Member

    Additional Tips

    1) If you have a land line, ensure that it’s unlisted. Better yet, get a VOIP number from a service like Vonage or similar (lots of servicers available). When the debtor has a VOIP number, a locator cannot find the physical location with a reverse directory application.

    2) If you see an unwanted call on your caller ID (you’re obviously close to the phone), pick up the receiver, then immediately hang up without saying anything. This will confuse the robo caller (auto dialer) at the automated call center, and prevent the caller from leaving a voicemail message. As I mentioned before, set your voicemail to pick up after only, say 2 rings. And ensure that your vm greeting isn’t in your voice, and doesn’t your name or any personal info. The caller is never certain if they’ve called the correct number; there is no confirmation.

    3) Stay off social networking sites like Facebook, Twitter, My Space, Linked In, etc. All of these sites tend to be intrusive on one’s privacy, even though they might protest otherwise. And, if the site gets compromised, and/or an employee commits an error, the individual’s privacy will have been compromised. Despite a subsequent public apology and expression of remorse, the damage will have already been done.

    4) If callers are never able to reach a live person, the calls will stop sooner. Why? Because the automated call center’s robo caller (auto dialer) software manager, who frequently culls the call list, and will remove your numbers from the list among others that are considered dead or inactive. As a result, the calls from that particular call center will likely end forever.

    5) Calls from unknown numbers with a non-toll free area code, are not to be answered. That call may well be from a “spoofed†number. This practice has become much more prevalent recently. And do not call the number from a line, whose number you wish to keep anonymous. The spoofed number, when called, will point to the 800 toll free number, and the collection agency will be able to see your caller ID.

    6) Credit Reports. Skip tracers and collection agents frequently use them to locate the physical address along with assets. When you order a credit report on yourself, ensure that the address you provide is your PO Box.
  3. quake120

    quake120 LoanSafe Member

    Eventually, the creditors will just look for banks in the area, call them, and find out if you live there. If you get papers served on you, but never actually receive the papers, they may be able to get a subpoena to your bank.
    Never say never...It happened to me.
  4. TomEason

    TomEason LoanSafe Guide Staff Member

    Thanks for your post. BTW, the tips are pretty basic, elemental steps to take. For instance, the book "How to Be Invisible" tells how to become more invisible. And in that text, the author admits that a creditor willing to spend a lot of $$ for a private investigator will eventually locate the person. The question for the creditor to decide is how much $$ is worth spending to locate the debtor.

    Don't know what state you're in, but in CA it's difficult to be served without a savvy consumer knowing it, of finding out about a "sewer service." And in order to obtain a subpoena, a judgment must first be obtained. In a major metropolitan area, calling all the banks in the area is quite a project. And, in this era of heavy emphasis on security and privacy, the bank won't willingly share customer info with anyone.

Share This Page



"Hello Moe, I just wanted to tell you, your website has saved my life (literally), I stumbled on your site in the middle of losing my home, I was able to network with people going through the same thing as I am. I didn't feel alone anymore, I have tried to give back and counsel those that haven't walked in my shoes yet. We hear so much about what is wrong with America, I just wanted you to know, you are whats "right" with America."

Nina Mitchell
Loansafe & MoeSeo Inc. © 2014 | LoanSafe.org is not a bank, lender, mortgage broker, law firm or affiliated with the US Government. Privacy Policy