Fitzgerald Advisors · Direct portfolio brokerage

How to Sell Charged-Off Debt: The Creditor’s Protocol

At a glance: To prepare charged-off debt for sale, confirm authority and eligibility, reconcile balances, assemble an interpretable tape and document index, disclose…

Fitzgerald Advisors · Institutional Guide

Prepare the population, evidence, and approvals before requesting a buyer’s proposal.

By Fitzgerald Advisors editorial team · Updated September 27, 2026

Align finance, servicing, risk, compliance, legal, and other relevant decision-makers. Define the sale objective, eligible products, proposed timing, authority, approval requirements, and alternatives. Identify exclusions and any limitations arising from contracts, prior transfers, settlements, or account status.

Discuss a portfolio mandate · Sell debt portfolios · Buy debt portfolios