A valuation review is a person at the desk reading one charged-off file. It is the step between a public pricing article and a bid. Send the snapshot. The desk says what is strong enough to show buyers, what is missing, and which published discussion range the file sits near. It is not an offer, an appraisal, or a promise of a price.

What you get back

The note covers four things. The asset class and the charge-off window. The share of accounts that have a contract and a charge-off statement. The states and the flags you already know, such as deceased, settled, or bankruptcy. And the date the balances were frozen. Those four facts move a file inside a range more than a headline face amount does.

The longer explanation of those factors is the debt portfolio valuation guide. The self-serve framing tool is the evaluation studio. A review is the file-specific read. Use the guide to learn the factors. Use the studio to sketch a range. Use this page when you want the desk to look at the actual snapshot.

What to send

Item	Why the review needs it
Account count and unpaid principal	Face without a count can be one large commercial note or thousands of small cards. The review treats those as different files.
Asset class and charge-off window	Credit card, auto deficiency, medical, and specialty paper do not share a range. The window says how long the paper has already been worked.
Media percent	Say what share has the contract and the charge-off statement, not “media available.” The media checklist is the list.
Cut-off date	Balances and paid-prior status are measured against this date. The 90-day warranty does not start here. It starts after closing and funding.
Known exclusions	Deceased, settled, bankrupt, and accounts you have already recalled. Leaving them in the face makes the later true-up look like a price change.

Field names are on the data tape page. You do not need a full working tape for the first review. A one-page snapshot is enough to learn whether the file is ready to show.

A worked example

A seller sends this snapshot. 4,200 credit-card accounts. $8.6 million unpaid principal. Charge-off dates from March 2022 through November 2024. 71 percent with a contract image and a charge-off statement. Twelve states. No accounts the seller has already marked deceased or settled. Cut-off is the Friday before the email.

The review does not answer with one number. It starts from the credit-card discussion range already printed on the pricing study, 3 to 8 percent of face, and says which facts would move this file inside that range. Media at 71 percent is usable. A 2022-heavy window is older paper and usually sits lower than a 2024-heavy window. Twelve states is a normal mix, not a reason by itself to leave the range. The cut-off is named, so paid-prior claims have a date. None of those sentences is a bid. A buyer still prices the tape after the NDA.

If the same face were auto deficiency with deficiency letters on file, the review would start from that asset class instead. Mixing the two products in one asking price is how a file gets passed.

Suggestions before you ask

Put the media percent and the cut-off date in the first email. One person should own the file through questions. Sending the same snapshot to several desks in the same week trains buyers to assume the paper has already been shopped. If you are choosing between one close and a repeating delivery, say so. That choice is the sale structure question, and it changes what the review is pricing.

Hold back accounts you already know are ineligible. A cleaner face at a slightly smaller total is easier to review than a larger face that will be cut on the first pass.

If you are a buyer asking for a read

State the buying box first: asset class, states you will take, and whether you need media on most accounts. Name the bid unit you use, usually percent of unpaid principal. Ask for the cut-off date and treat paid-prior status against that date. The warranty on this desk starts after closing and funding and lasts 90 days. The seller does not work, collect, or service the debtors after the sale. The seller forwards those debtors to you.

A review will not hand you the seller’s full tape. That moves under NDA after the desk knows the box fits. Apply on the buyer page if you have not already.

How to ask

Email the snapshot to portfolios@debtmarket.net or call 561-254-6608. Sellers who want the intake form can submit the portfolio or request a review. The desk usually answers in one business day. Consumers looking up a personal account will not get a payment plan here.

Questions the desk hears

Is the review a bid?

No. A bid comes from a buyer after the NDA and the working tape. The review tells you whether the file is ready to show and which published discussion range it sits near.

How is this different from the valuation guide?

The guide explains the factors that move price. This page is the request for a read of one snapshot. The guide does not know your account count. The review does, because you sent it.

Can I use the studio instead?

Yes. The evaluation studio is there for a private sketch. It does not see your media images or your exclusions. Send the snapshot when you want those in the note.

Which date starts the 90-day warranty?

After closing and funding. The cut-off date freezes balances and is the date paid-prior and deceased status are measured against. It does not start the warranty clock. The dates are written up on cut-off, closing, and funding.

Who should not use this page?

A person trying to pay or settle one account. DebtMarket is an institutional desk. It does not collect from consumers and it does not start a collection agency.