How to Buy a Debt Portfolio
Buyer diligence and pricing framework overview.
How professional buyers evaluate charged-off portfolios before capital is committed.
Licensing & operating model
Confirm where you need collection licenses, how you will service (in-house vs agency), and your compliance program maturity.
Diligence framework
- Vintage and payment history quality
- Balance distribution and geographic concentration
- Prior placements and recovery signals
- Media / documentation completeness
- Title and assignment integrity
Pricing discipline
Model expected gross recoveries, cost to collect, timeline, and risk adjustments for docs and compliance friction.