Seller Warranty Obligations
What sellers owe after a charged-off close: 90-day ineligible window, media the PSA promised, and how DebtHub routes buyback claims.
DebtHub · Seller pathway
If you offered a 90-day window, staff it. Buyers will send deceased, paid-prior, and ineligible lists. A warranty you cannot operate becomes a dispute, then a relationship you do not get a second tape from.
What to put in the exhibit
- Starting clock (cut-off vs funding).
- Reason codes you will honor.
- How the buyer files (post-sale support, not a side email).
- How true-ups are paid or credited.
Packaging up front reduces claims later: seller packaging. Claim routing: post-sale support.
| If you tagged it pre-sale | Warranty load | If you hid it |
|---|---|---|
| Deceased / BK / PIF flags | Lower | Shows up as a claim storm |
| Media percent disclosed | Disputes match the exhibit | Buyer says you promised COS |
| One seller contact | Claims move | Finance vs legal vs ops |
Questions this page answers
Can we sell “as is” with no warranty?
Sometimes. Say it on intake. Expect a wider bid spread.
Who calculates the true-up?
The PSA. We route the file. We do not invent a formula after the fact.
Do claims extend the window?
Only if the contract says so. Assume they do not.
Paired reading: Buyer buybacks
Paired reading: Creditor after the sale
Sell with a warranty planPost-sale desk
Desk: portfolios@debtmarket.net · 561-254-6608. Institutional only. Not consumer collections.