If its enough money to make it worth it, you can do whats called a Debtors Exam where the court orders them to show up and you can ask them questions about their finances to learn where they work, where they bank, and what money they have.  

For example, in my state, I can levy the debtor's bank account, put a lien on their personal and/or real property, garnish their wages, etc. 

When we run across a low score, we put it in some sort of context like student loan debt or medical debt.

Do this formula to calculate return on equity:3/(1-2) If you come up with a number much less than 11% we make the decision to either refinance and strap it with new higher debt or sell it.

It's possible to contact the creditors but you'd have to have a signed release from the debtor before they will talk to you.

I am not an attorney (so speak to one first) but in Florida; a fraudulent conveyance (also called a fraudulent transfer) is a debtor's transfer of legal title of non-exempt property to a third party with the intent to hinder, delay, or defraud a present or future creditor.As mentioned twice already; call your attorney today and explain your situation.

My question now is what are the legal rights of other debtors that are owed money?

Cash out at todays DSCR refinance rates and pull up to 75% of the equity of out (less owed debt) OR find a local (local is always better for helocs IMO) who will give you good deal on a heloc or Heloan.

Are you the debtor or creditor?

If you just got approved for your first credit card, how did you have credit card debt? Or