Investigation report

When your debts are registered by us we investigate whether you have assets that we can attach in order to pay the debts.

What do we investigate?

We investigate whether you have assets that we can attach, such as

• salary or other income
• personal property, such as
  • money in a bank account
  • cars
  • money you were due in a tax refund
  • a tenant-owner’s lease
• immovable property, such as
  • real estate
  • a leasehold

What is an investigation report?

The information we gather about your assets is compiled in an investigation report. We write this report when we have concluded that your attachable assets do not cover your debts. The report is sent to you and to the creditors (the individuals or entities you owe money).

What does the investigation report contain?

The investigation report details whether we have found attachable assets and, if so, what they are. This might be information about e g

• employers, if any
• vehicles we may have seized
• an inspection we may have carried out in your home.

The report will also say if your assets have no attachment value.

Who can use the report?

The investigation report can also be used by the creditor to submit a bankruptcy application against you. Credit reference companies will also receive the report.