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DebtHub FAQ for Creditors
FAQ for original creditors selling charged-off receivables: sale vs placement, buyer screening, NDA, funding, and residual reputation risk.
Updated October 25, 2026 · portfolios@debtmarket.net · 561-254-6608
DebtHub · Creditor FAQ
For banks, credit unions, finance companies, and fintechs deciding whether a sale is even the right tool. Placement questions belong here too.
Is selling charged-off debt the same as placing it?
No. Placement keeps title with the creditor. A sale transfers the receivable to a buyer under a purchase and sale agreement (PSA).
Questions this page answers
Is a sale the same as placing with a collection agency?
No. Placement keeps title with you. A sale transfers the receivable to a buyer under a PSA.
Will consumers still call us?
Some residual contact happens during the cut-off window. A clean board and a named buyer compliance owner reduce it. We do not handle consumer stop-calling requests on this site.
Who screens the buyer?
Triton screens licenses, insurance, data security, and capacity before a match. You can still impose extra conditions in the PSA.
Can we sell only part of the book?
Yes. Many creditors sell a vintage slice or a state slice first. Tell us the cut in the snapshot.
What if media is incomplete?
We can still market with a media-completeness disclosure. Expect a wider bid spread.
Does selling change our charge-off accounting?
Ask your accountants. DebtHub is a sale process, not an audit opinion.
Can we require the buyer not to litigate?
Write it in the PSA if that is a policy. Do not assume it.
How public is the process?
It is not. No consumer lot list. Matched buyers under NDA only.
What is a typical close?
1–14 days from a complete file. Title work is the usual delay.
Where do warranty claims go?
Post-sale support, with the exhibit the PSA names.
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Desk: portfolios@debtmarket.net · 561-254-6608. Institutional only. Not consumer collections.