Strategic Liquidity: Off-Market Loan Sale Advisor | Fitzgerald

Author name: Hartman

Director of Portfolio Liquidity & Asset Disposition Specializing in NPL Liquidity, Fintech Integration & Regulatory Compliance

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How to Sell Charged-Off Debt | 2026 Guide & Pricing Audit

    The Complete Guide to Selling Charge-Off Debt in 2026 By Jeffery Hartman | Institutional Mandate | Updated Jan 2026 Recent federal initiatives and executive actions have focused on guaranteeing fair banking, with explicit protections against discrimination based on national origin and marital status. These measures underscore the importance of safeguarding clients’ access to […]

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The 2026 Protocol: Solving Debt Sale Friction with AI

  The 2026 Protocol An Expert Briefing on AI & Standardization in Debt Sales The Strategic Mandate The debt sale process remains plagued by inefficiencies that cost dealmakers time and money. To provide clarity on the future, we posed a central question to our network of industry principals: “What Is the Biggest Debt Sale Friction

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Judgment Enforcement by State: A Creditor’s Protocol

Judgment Enforcement Strategies by State: A Creditor’s Protocol You won the lawsuit. The court has issued a money judgment in your favor. As the winning party (the creditor), you are now entitled to collect the awarded amount, while the losing party (the debtor) is responsible for satisfying the judgment. You have, in effect, a paper

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Investing in Mortgage Notes: The Professional’s Playbook

Investing in Mortgage Notes: What you need to know?  The internet is flooded with gurus promising that investing in mortgage notes is a simple path to “passive income.” This is a dangerous lie. This is not a hobby. It is a business for professionals. A mortgage note is not a stock or a bond; it

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How to Sell a Debt to a Collector: The Professional’s Protocol

How to Sell a Debt to a Collector? You won a judgment or charged off an account. You have a legal right to the money. This is a paper victory. The war, however, is the collection. For a business or individual, the process of chasing a debtor is a costly, time-consuming distraction. The strategic alternative

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A Guide to Understanding Typical Hard Money Loan Terms: The Key Components of Hard Money Loans Explained.

The Protocol for Commercial Hard Money Lending | Fitzgerald

Commercial Hard Money Lending Key Takeaways Commercial hard money loans are short-term, asset-based loans secured by commercial real estate and approved primarily on property value—not borrower credit scores or tax returns. These loans are typically used for time-sensitive acquisitions, bridge financing, value-add rehabs, or when a traditional lender declines the deal, with closings possible in

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The CRE Maturity Wall: An Expert Protocol for Community Banks

The CRE Maturity Wall An Expert Protocol for Community Banks The Strategic Mandate Community banks face a critical challenge as a wave of commercial real estate loan maturities approaches. To provide clarity, we posed a central question to our network of industry principals: “What Step Should Community Banks Prioritize to Prepare Their Balance Sheets for

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The Liquidation Threshold: A Guide to Selling Charge-Offs

The Liquidation Threshold An Expert Intelligence Briefing The Creditor’s Dilemma: Workout vs. Sale Deciding when to sell a charged-off portfolio versus pursuing internal recovery can make or break profitability. To provide clarity, we posed a central question to our network of industry principals: “What is the most critical data signal to sell a charged-off portfolio

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Predicting Charge-Offs: The Data Signal Beyond FICO

  The Data Lag Problem An Expert Intelligence Briefing Market Analysis: The Failure of Lagging Indicators In the high-velocity world of Fintech and specialty finance, traditional credit scoring models are failing. A FICO score is a lagging indicator—a snapshot of past behavior. For modern lenders, this data lag is a critical vulnerability, often failing to

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The CRE Valuation Gap: An Expert’s Take on Cap Rates

  The CRE Valuation Gap An Expert Intelligence Briefing Higher interest rates have fundamentally reshaped how investors value secondary-market debt portfolios. This shift has created new pricing dynamics that are forcing buyers to demand significantly higher cap rates to justify their investments. Industry experts explain the mechanics behind these changes and what they mean for

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