Description of the contents of the

Asset Investigation

Current accounts

All active current accounts, in banks and at the post office, with an outstanding amount

The bank audit provides information relating to all the current accounts of an individual (natural or legal person) to identify any assets that may be subject to seizure.

In the asset report, we will record current account relationships with credit institutions throughout Italy, whether postal or bank. This information is provided with the available liquidity and therefore available for seizure.

A bank investigation is a true financial investigation, and its primary use is for debt collection. It allows us to identify all bank and postal accounts where an individual or legal entity may have deposited savings funds. This also includes postal savings books and prepaid cards (such as PostePay).

This investigation is also possible for deceased persons. Relatives of the deceased can therefore gain access to information that would otherwise be difficult to obtain.

The Mercurio Institute conducts account tracing investigations nationwide, at all banks and post offices, and completes the investigation with the credit institutions' precise contact details.

Once you have information about your bank accounts and their balances, you can then assess whether or not it's appropriate to seize the deposited funds.

Work activity

Current employment, with salary if employed

Sometimes, to recover a debt from a debtor, it is sufficient to seize a fifth of their salary, if they are regularly registered.

The investigation into the employment history, and therefore the place of employment, is aimed at identifying the actual employer, including tax details and registered office. This information is essential for recalculating the amount of the maintenance payment.

In its information reports, the Mercurio agency also includes this information with the salary received and, almost always, the expiration date and type of contract.

The employment verification is therefore information for debt collection purposes, aimed at identifying the current work activity of a natural person (whether employed by third parties, self-employed or professional).

From the amount of salary received and the end date of the employment relationship, it is easy to calculate how long it will take to repay the credit owed.

Pension institution

Type of pension, with amount received

This information provides information on the existence of active pension positions relating to a natural person.

The pension provider is identified and the monthly amount received is estimated.

In the financial report from the Mercurio detective agency, you will find out the type of pension received (seniority, old age, survivor's, disability, etc.) and the monthly amount.

Knowing the amount disbursed is essential to determine whether the sum can be seized to the extent permitted by law.

Real estate

Real estate properties in the land registry, including buildings and land, with share and income, as well as sales searches for revocation action.

The real estate search is based on information released by the Revenue Agency and is aimed at identifying real estate properties in Italy, both in the Building and Land Registry, owned by the debtor, even if in quota.

A property listed in the land registry is considered a source of income and can impact the adjustment of maintenance payments and the individual's overall financial situation. The search is conducted on individuals or legal entities, and Istituto Mercurio also includes a land registry search service to easily assess the possibility of recovering significant sums that would otherwise be lost through the seizure of movable property. The Asset Investigation service includes a thorough search, updated to the last 24 months, of the deeds of sale of real estate registered to the interested party. Conducted by consulting official databases and land registry records, it allows for the identification of all recent real estate transactions, with details regarding the date, nature of the deed, and parties involved. This information is particularly important in legal proceedings, as it provides useful information for evaluating and potentially filing revocation actions pursuant to art. 2901 of the Italian Civil Code, aimed at countering dispositive actions prejudicial to creditors and nullifying the unlawful disposal of seizable assets. Including this data in the "Asset Investigation by Mercurio" report guarantees a comprehensive overview of real estate transactions and is a fundamental tool for debt collection and the protection of creditors' interests, especially in the case of suspicious or potentially damaging transfers of assets.

Corporate roles, qualifications and shareholdings

All positions and qualifications in companies as well as all shareholdings, with denominations

The term corporate officers refers to the role held by a person within a business (individual, corporation, cooperative, etc.). The main titles are: owner, president, general partner, shareholder, administrator, delegate, director, supervisor, attorney, advisor, and liquidator.

The Mercurio agency verifies and records in the complete asset investigation all current and former corporate positions held by a person in all companies registered with the Chamber of Commerce.

Positions are usually paid; therefore, the garnishment notice can be addressed to the companies for the sums they owe to the individual holding the position.

Corporate positions differ from shareholdings, another source of income subject to seizure through legal action, in that a person can own shares or stocks in a company but not hold any corporate positions.

In this case, it's useful to research which companies a person holds shares or stocks in, and then consider seizing these properties.

Vehicles

List of vehicles with registration date, make and model

This search identifies all categories of vehicles (cars, mopeds, motorcycles) owned by the name.

The asset report provides the main technical data, such as: category, make, model, license plate, chassis, year of registration and ownership (or loss of ownership).

This information is essential for forcibly seizing the vehicle and subsequently selling it at auction.

For each vehicle, you can optionally request a license plate check to obtain additional technical information and verify any mortgages, seizures, or other encumbrances.

This assessment is also carried out on a natural or legal person, without distinction.

Prejudicial and Protests

Prejudicial documents from the Registry of RR.II. as well as a list of protests registered at the Chamber of Commerce

The search for prejudicial notes is useful in determining the existence of negative events (consisting of mortgages, seizures, bankruptcies, real estate foreclosures, court summonses, etc.).

A protest is a written legal document by which a public official certifies the presentation of a bill of exchange or check to the debtor and the debtor's refusal to pay or accept the instrument.

The protest report allows you to verify whether a natural or legal person is registered in the Protest Register kept by the Italian Chambers of Commerce.

The data provided in the financial statement contains protests (bills of exchange, drafts, checks) raised throughout the country in the last five years, with the relevant date of raising, protested amount, reason for non-payment, etc.

Both of these services, included in the Mercurio Institute's financial investigation, are conducted at a historical level and drawn from official databases throughout Italy, helping to better understand the type of entity being analyzed.

The Asset Investigation can also be integrated with other information:



• Details of the rental contracts with the tenant's tax code
• declarations of assets located abroad
• residential address
• landline and mobile telephone numbers
• etc.