Chain of title is the documented path of ownership from the original creditor to the current holder. In charged-off debt sales, it is often the difference between a competitive bid and a pass.

What buyers expect to see

Bill of sale or assignment for each transfer
Account-level schedule or data tape that matches the assignment
Evidence of the original obligation where media is available
Clear identification of the seller’s authority to convey

Gaps do not always make a pool unsaleable. They do change price, representations, and which buyers will engage. Sellers should disclose prior sales early rather than discovering them in diligence.

Seller checklist

Prepare a title binder before marketing: assignments, a sample of media, a list of accounts with missing documents, and any known disputes. That package shortens diligence and supports a 14–45 day close when the rest of the tape is complete.

Need a review of a specific file set? Email portfolios@debtmarket.net or call 561-254-6608.