A defaulting borrower who has moved, a guarantor who has gone quiet — we locate people from lawful records so your recovery team or counsel can take the next enforcement step without further delay.
When a borrower defaults and then disappears — relocating, changing contact details or moving offshore — the enforcement process stalls at the most basic point: a current address. The same applies to a personal guarantor who was easy to reach at origination and is now nowhere to be found. Umbragarde provides discreet location for banks and lenders, tracing defaulting borrowers and guarantors from open sources and lawful records so your recovery process can resume.
We agree the purpose, the recovery matter and the available starting information in a confidential brief. All tracing is conducted from open sources and lawful records — no unlawful surveillance, no contact with the borrower or their connections. Every material finding is corroborated before delivery. The result is a current address and, where relevant, a pattern of presence — delivered privately, so your team can act without the subject receiving any warning.
Yes. Cross-border traces are a routine part of our work. We reconstruct a movement and relationship pattern across jurisdictions from open sources and lawful records, establishing a current location without alerting the subject that they are being traced.
Yes. We scope the engagement to the recovery matter, work discreetly alongside your collections or legal team, and deliver a corroborated current address through a private channel — so the next enforcement step can proceed without delay.
One confidential message is enough. Tell us the matter — we scope it with you.
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