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.
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.
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.