Strategic Liquidity: Off-Market Loan Sale Advisor | Fitzgerald
Debt transfer from one creditor/collector to another can occur without consent but not without knowledge. Legally, a consumer must be notified with a debt validation letter within five days of the collector’s first contact attempt. This ensures transparency and awareness during the debt collection process.
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 […]
How to Sell a Debt to a Collector: The Professional’s Protocol Read More »
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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The Creditor’s Dilemma A Mandate for Workout vs. Sale Every non-performing loan on your books presents a binary choice: engage in a long, costly war of recovery, or execute a clean, strategic sale. This is the definitive protocol for making that decision. The Advisor’s Thesis The amateur asks, “How can I recover this asset?” The
Loan Workout vs. Sale: The Definitive Guide for Creditors Read More »
The Cost of Delay: Why Waiting to Sell is a Balance Sheet Failure Why Creditors Delay Selling—and Why It Usually Costs Them 15% By Jeffery Hartman | 22nd December 2025 | Capital Markets Intelligence Institutional Summary: The Holding Tax Era In the 2026 liquidity landscape, delay is a quantifiable expense. Most creditors treat portfolio sales
Why Delaying Debt Sales Costs 15% | 2026 Capital Velocity Read More »
The Great Liquidity Reset | OCC 2025-4 & The End of Reputation Risk The Great Liquidity Reset: Why 2025-2026 is the Era of the Bold Creditor Institutional Intelligence | Rescinding the ‘Fear Tax’ of 2014 Executive Summary The “Dark Ages” of debt sales (2014–2024) were defined by Reputation Risk—a subjective supervisory lever that forced banks
The Great Liquidity Reset | OCC 2025-4 Debt Sale Protocol Read More »