We published a public research brief with indicative percent-of-face ranges by asset class and the diligence factors that re-rate bids. This post summarizes the headline table and points to full methodology.
Why we published this
Secondary market participants often need a shared starting point for expectations — without confusing educational ranges for firm quotes. A transparent brief also helps journalists and analysts cite limitations correctly.
Headline ranges (indicative)
- Credit card: ~3–8% of face
- Auto deficiency: ~5–12%
- Personal loans: ~3–7%
- Medical: ~2–5%
- Commercial: ~8–15%
- Telecom: ~1–3%
- Private student: ~5–10%
- Specialty/BNPL/fintech: ~2–6%
Full drivers, methodology, and citation format: Charged-off debt pricing study.
Not an appraisal or offer. Not legal advice. Institutional education only.