Banks, lenders & foreclosure
A loan goes quiet. The borrower has moved, the letters come back, and the property may be lived in, let out or standing empty — you simply do not know. Very often the answer is in the Caribbean: a borrower who has gone home, a holiday property on one of the islands, or a company registered offshore.
That is where we come in. We have worked for legal offices since 1988, and we specialise in working with banks, lenders, mortgage servicers and foreclosure agents. We are your One-Stop Caribbean connection. We check the property, serve the papers and swear the Affidavits, without you having to brief three different firms in three different time zones.
We are local, not a broker. Our agents live and work on the islands they cover, and we are a licensed bailiff in Jamaica and an associate bailiff in Curaçao. When we tell you a borrower is at an address, it is because someone stood at that door.
What we do for lenders
Most instructions combine two or three of the services below. Tell us what you are trying to achieve and we will suggest the most sensible order — often a short trace first, so you are not paying for service at an address that is no longer right.
Finding the borrower
Debtor and borrower tracing
Locating borrowers who have moved, changed numbers or stopped answering, and confirming a current address you can rely on.
Tracing after removal from the United States
When a borrower has been deported or removed to their Caribbean country of origin, we make lawful local enquiries to find them and establish where papers can be served.
Address verification before service
A discreet check that the person still lives at the address before you pay for an attempt — and an honest report if they do not.
Next of kin and heirs
Where a borrower has died, tracing family members, beneficiaries or the person dealing with the estate so the matter can move forward.
Checking the property
Occupancy checks
A visit to establish whether the property is occupied, vacant or abandoned, and, where it can be found out lawfully, who is living there.
Condition reports with photographs
Dated photographs of the outside of the property and its surroundings, taken lawfully from public ground, with a plain-English note of anything that matters to your file.
Door-knocks and notice postings
Personal contact at the door and the posting of notices where the local rules allow it, with a written record of what was done and when.
Free preliminary address check
Before you instruct anyone, try our Address checker to look at the location on the map and satellite view.
Finding assets
Asset searches after judgment
Identifying land, property, vehicles and business interests through public records, land and company registries and court files, so you know whether enforcement is worth the cost.
Offshore company and property enquiries
Checking who stands behind a Caribbean-registered company and what it holds, through the local registries and our people on the ground.
Vehicle location
Locating vehicles subject to finance or a repossession order, and reporting where they are kept.
Due diligence and fraud
Background checks before lending
Lawful background enquiries on Caribbean-based borrowers, guarantors and companies before you lend, or when a facility starts to look wrong.
Mortgage and identity fraud enquiries
Checking whether a property, business or person is what the paperwork says it is, and gathering the evidence your legal team needs.
Witness location and statements
Finding witnesses on the islands and taking statements for your lawyers.
Surveillance
Lawful observation where it is genuinely needed, for example to establish whether a borrower is living at, or letting out, a property.
Serving the papers and proving it
Foreclosure and possession papers
Service of foreclosure documents, notices of arrears, possession claims, eviction notices and court orders — see the full Documents we serve list.
Affidavits and certificates of service
A sworn affidavit and signed certificate of service, with a scanned copy emailed to you the moment it exists.
Court records and filing
Retrieving court records and filing on your behalf in the island courts, where the local rules allow it.
How we work with your team
You send us what you have — the last known address, a date of birth, a photograph if there is one, and the loan or case reference. We tell you, plainly, what we think can be achieved and agree a fixed fee in writing before any work starts. Then you hear from us as things happen, by email or WhatsApp, in language you can forward straight to your client.
If a trace runs into a dead end, we will say so and suggest the next step, rather than keep billing in the hope that something turns up. And if an address turns out to be wrong, you hear the truth about it, even when it is unwelcome.
Staying on the right side of the law. Everything we do is done lawfully, using public records, registries, court files and enquiries made in person. We do not obtain bank account details, telephone records or other protected personal data by deception or without a court order, and we will not take on work that would put your institution at risk. If you are unsure whether something can be done, ask — there is no charge for the conversation.