How it works

Last updated: October 15, 2026

Short answer: Selling debt through SellChargeOffs takes four steps. You submit summary portfolio information with no consumer data. Both sides sign a mutual NDA. Qualified, licensed buyers review the data in an encrypted data room and submit bids. You choose the bid you want, or decline, and close under your own purchase agreement. Requesting a valuation is free.

A confidential, seller-controlled process. You share a summary, buyers compete, and you decide.

How does selling debt through SellChargeOffs work?

1. Tell us about the portfolio

Submit summary info only: asset type, face value, account count, charge-off dates.

2. Sign a mutual NDA

Before any sample or data tape is shared.

3. Secure data review

Encrypted data room, access limited to qualified buyers.

4. Bids & sale

Matched buyers submit indicative and final bids; you choose and close under your purchase agreement.