Strategic Asset Divestiture:
The Liquidity Protocol
For financial institutions and retailers, a portfolio of delinquent debt is not merely a liability; it is a dormant asset class trapped on the balance sheet. The process of selling debt is not a salvage operation—it is a strategic financial divestiture designed to unlock immediate capital.
Fitzgerald Advisors does not simply "broker deals." We execute a Liquidity Protocol. Whether liquidating unsecured Credit Card paper, Rent-to-Own (RTO) deficiencies, or Auto Finance portfolios, we provide the governance, valuation, and execution certainty required by the C-Suite.
I. The Asset Class Taxonomy
A debt portfolio is a bundled tranche of Non-Performing Loans (NPLs). To maximize exit value, these assets must be correctly categorized before they enter the market. We specialize in the divestiture of:
| Asset Class | Market Demand | Liquidity Profile |
|---|---|---|
| Credit Card / Unsecured | Highest | Instant Liquidity. High volume, high velocity. |
| RTO / Consumer Lease | Moderate | Specialized buyers. Requires forensic documentation. |
| Fintech / BNPL | Emerging | High risk/reward. Priced on underwriting quality. |
II. The Media Chain Audit (Risk Mitigation)
Why "As-Is" Sales Fail
Public marketplaces often sell files "As-Is," creating massive legal liability for the seller post-closing. Fitzgerald Advisors performs a pre-sale forensic audit. We verify the Chain of Title, Media Availability, and PII (Personally Identifiable Information) integrity. We do not list paper; we verify enforceability.
III. The Counterparty Ecosystem
The market is comprised of Debt Buyers (Asset Managers) and Recovery Agencies (Execution Arms). Unlike a basic broker who blasts your file to everyone, we curate a specific list of vetted institutional funds.
- Institutional Funds: High-capital buyers looking for $10M+ placements.
- Specialty Purchasers: Niche buyers for RTO, Medical, or Judgment assets.
- Litigation Firms: Buyers seeking legal-grade paper for suit.
IV. The Compliance Firewall
Every transaction is governed by an ironclad adherence to the FDCPA and Reg F. We act as a firewall between your brand and the recovery process. By selling only to certified, audited buyers, we ensure that the liquidation of your asset does not result in reputational damage.
Initiate the Sale Protocol
Ready to convert non-performing liabilities into operational capital? Do not rely on spot-market pricing. Open a mandate with the Intelligence Command.
Direct Mandate Access:
Jeffery Hartman
Director of Portfolio Liquidity & Asset Disposition