Seller Pricing for Charged-Off Debt
What sellers should expect when charged-off paper goes to bid: media, vintage, title, and why a headline percent of face is not the whole deal.
DebtHub · Seller pathway
Sellers do not set a market price by wishing. Buyers bid a recovery model. Your job is to remove excuses for a low number: tape fields, media percent, chain of title, and a clean spot-versus-flow choice.
Why two files with the same face get different bids
Face is the denominator. Recovery is the story. A $2 million pool with last-pay, COS, and a complete assignment trail is not the same product as $2 million of no-date, no-media paper. Packaging notes are on seller packaging.
How to read a bid without panicking
Ask for the unit. Ask which haircuts are media versus title versus state. A low number with a punch list you can fix is a process. A low number with no list is a pass wearing a bid.
Education, not a quote: pricing study, evaluation studio.
| You improve | Typical bid effect | Cost to you |
|---|---|---|
| Charge-off and last-pay dates filled | Fewer “unknown vintage” haircuts | Core extract |
| Media percent with a sample | Tighter spread among buyers | Archive pull |
| Assignment chain complete | Legal stops blocking funding | Scan bills of sale |
| Known ineligibles tagged | Fewer 90-day fights later | Flag BK / deceased / PIF |
Questions this page answers
Can Triton guarantee a percent of face?
No. Guarantees are not how this market works. We run a bid on a complete file.
Should I shop the same tape to five brokers at once?
It leaks. Buyers see the same file twice and assume it is tired. Pick a desk.
Will excluding bad states raise the bid?
Often. A clean slice beats a noisy whole book.
Paired reading: Buyer pricing and bids
Paired reading: Creditor sale proceeds
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Desk: portfolios@debtmarket.net · 561-254-6608. Institutional only. Not consumer collections.