Explainer series
How sellers package a file
Tape, media, title. Buyers bid a complete package, not a story.
Seller pathway
Seller Asset Classes and Packaging
How sellers package credit card, auto deficiency, medical, and specialty charged-off paper so buyers can bid. DebtHub notes plus the categories guide.
Updated October 25, 2026 · portfolios@debtmarket.net · 561-254-6608
DebtHub · Seller pathway
Do not mix unrelated products into one tape and call it a portfolio. Card, auto deficiency, and medical have different media, different buyers, and different units. Split first, then bid.
Can you sell different debt types in one portfolio?
Split them first. Card, auto deficiency, and medical have different media, different buyers, and different pricing units, so mixing unrelated products in one tape weakens the bid.
Packaging tells by class
- Credit card: charge-off date, last-pay, COS flag, placement history.
- Auto deficiency: VIN, auction proceeds, deficiency math, title status.
- Medical: itemization notes, no PHI in the web form, patient vs guarantor if you have it.
- BNPL / fintech: original product name, origination channel, what “media” even is.
Categories overview: portfolio types. Tape fields: data tape dictionary.
| If you mix | What buyers do | Better move |
|---|---|---|
| Card + medical in one file | Bid the worse class, or pass | Two tapes |
| Bank card + payday-style | Assume the thin product | Split by originator |
| Auto without VIN | Treat as unsecured leftover | Pull VIN before marketing |
Questions this page answers
Can I sell a mixed book as one lot?
You can. Buyers will price the weakest slice. Split if you want a real bid.
What if I only have medical?
Say so. The buyer pool is smaller and ops-heavier. Do not hide it inside “consumer.”
Is commercial paper on this desk?
Yes, when title is clean. It is not a consumer FDCPA file. Label it.
Paired reading: Buyer asset classes
Paired reading: Which paper creditors sell first
Submit by asset classPortfolio types
Desk: portfolios@debtmarket.net · 561-254-6608. Institutional only. Not consumer collections.