Debt Buyer Asset Classes
How debt buyers on DebtHub set a buying box by asset class: credit card, auto deficiency, medical, personal loans, commercial, telecom, student, BNPL.
DebtHub · Buyer pathway
“We buy everything” is how you drown in NDAs. A buying box names asset class, vintage, balance tier, and states. Then the desk can match a tape instead of guessing.
Public catalog: portfolio types. This page is how buyers use it on DebtHub.
| Class | What you underwrite first | Usual tell |
|---|---|---|
| Credit card | Last-pay, COS, prior placements | Percent of face |
| Auto deficiency | VIN, sale proceeds, deficiency math | Paperwork gaps kill price |
| Medical | Itemization without PHI in forms | Ops-heavy, license sensitive |
| Personal / installment | Original product, payment history | Fintech vs bank origin matters |
| Commercial / B2B | Contract, personal guaranty flags | Not a consumer FDCPA file |
| Telecom / BNPL / specialty | Media honestly disclosed | Often bps, not fat percents |
How to send your box to the desk
Asset classes you will bid. Min/max face. Vintage floor. States you can board. Collect vs litigate mix. Monthly capacity. That paragraph saves two weeks of mismatched teasers.
Questions this page answers
Do you always have credit-card paper?
Inventory is not a public board. Apply, set a box, we match.
Can I test medical with one small tape?
Only if you can actually board it. Testers without licenses do not get files.
Where do I see live lots?
You do not. DebtHub is not a consumer auction site.
Paired reading: Seller asset classes
Paired reading: Which paper creditors sell first
Send your buying boxPortfolio types
Desk: portfolios@debtmarket.net · 561-254-6608. Institutional only. Not consumer collections.