Privacy policy

Effective date: October 23, 2026. Version 2026-10-23.3.

Version 2026-10-23.3 (October 23, 2026): describes the data collected for judgment listings, buyer interest and the invite-only deal room, and where it goes; “sellers pay nothing” now applies to charge-off debt portfolio introductions, with the judgment success fee stated. Version 2026-10-23.2 (October 23, 2026): buyer section wording (“when you ask for an introduction”). Version 2026-10-23.1 (October 23, 2026): introductions-only wording. Version 2026-10-22.2 (October 22, 2026): “valuation” wording replaced; judgment fee wording removed; location confirmation added to the assent record. Version 2026-10-22.1: governing law set to Ohio; operator described as “Jeffery Hartman, known as The Don of Debt”.

Short answer: SellChargeOffs is operated by Jeffery Hartman, known as The Don of Debt (donofdebt.com). It connects businesses that want to sell debt, and people and businesses that hold court judgments, with debt buyers. We collect the contact and portfolio summary details you enter on our introduction request form, the judgment details you enter on our judgment submit and list-a-judgment forms, the company and contact details buyers send us when they express interest, sign-in and room records from our invite-only deal room, plus site-usage data through Microsoft Clarity and Cloudflare. We never ask for debtor lists, account numbers or Social Security numbers. We do not sell or rent your personal information. We will not share your judgment or portfolio details, or your name or contact details, with any buyer unless you approve that specific buyer first.

Who we are

SellChargeOffs is operated by Jeffery Hartman, known as The Don of Debt (donofdebt.com). “We”, “us” and “SellChargeOffs” in this policy mean that operator. SellChargeOffs is not a debt collector and never contacts consumers. Please never send consumer names, Social Security numbers or account numbers; the form rejects entries that look like them. Use of the site is also covered by our Terms of Use.

What we collect

Introduction request form, step 1: your name, company, work email, debt type and approximate face value. We save these as soon as you continue, even if you do not finish step 2.
Step 2: your desired timeline and your confirmation that you included no consumer data. Optional: title, phone, creditor type, number of accounts, average balance, charge-off date range, prior sales, top state concentration, documentation, scrub status and notes.
Your agreement to our terms: when you tick the boxes to agree to our Terms of Use, Seller Terms and this policy, and that none of the debtors are located in the states we can’t serve yet, we record the versions you agreed to, the time, your IP address and your browser's user agent.
If you sign the mutual NDA on the form: the name you type, the NDA version, the time, your IP address and your browser's user agent, as a record of the signature.
Judgment submit form: the state, court or county, judgment amount and judgment date, whether the judgment is against a registered business or an individual, plus your name, email and, if you choose, your phone number. We do not ask for the debtor's name or any debtor identifiers. We use your phone only to call you about that judgment.
List-a-judgment form: the judgment type, whether it is against a registered business or an individual, the court level, the state of the judgment, your state and the debtor’s state, the county, the judgment amount and date, the number of judgments, the creditor type and, if you choose, the amount collected so far and the amount you hope to get; plus your name, company, email, phone, when and how to contact you, and your confirmations that you own the judgment and that no debtor is in a state we can’t serve. The form does not ask for the debtor’s name or the case number.
Buyer interest form on Judgments for Sale: your company, name, work email and phone, buyer type, typical deal size, the states you buy in and whether you have bought judgments before; if you choose, your title, company website, state of formation, license numbers and states, and a short note.
Deal room (invited users only): the email address we approve for you, which Cloudflare Access checks with a one-time code each time you sign in; an activity log of sign-ins and actions, including a scrambled (hashed) form of your IP address and your browser type; and the judgment details, messages and documents the seller and the approved buyer share in the room.
Spam protection on our forms: we count submissions from each IP address for about an hour to limit abuse, storing a one-way hash of the address rather than the address itself. Our forms also use Cloudflare Turnstile, which checks that a visitor is a person and not an automated program. To do that, Cloudflare processes your IP address and information about your browser and device under Cloudflare's privacy policy; we receive only a pass or fail result.
Sent with the form: the page you came from, the referring page, any figures carried over from the price estimator, and the country the request came from.
Emails you send us.

From judgment sellers

What you enter on the judgment submit form (above), and anything you choose to send us by email afterwards.
If you list a judgment: what you enter on the list-a-judgment form (above) and the requests you make to change, end or withdraw the listing. Only judgments against registered businesses can be listed publicly, and only after our review and your approval of exactly what is shown: summary facts such as the state, court level, amount band and age band, under a listing code. We never show names, case numbers or contact details publicly. Judgments against individuals are never listed; we hold them privately. For our checks we may also ask you, privately, for the debtor business's legal name, the case number and your state. We use these only to check court records, bankruptcy records and state business registries. We never show them publicly.
The statements you confirm under our Seller Terms, with the time you confirmed them.

From buyers

Your company's legal name, state of formation and website; your name, title, work email and phone; the states you buy in and your buyer type.
The confirmations you give under our Buyer Terms, including that you hold the licenses your activities require, with the time you confirmed them.
What you tell us when you express interest in a listed judgment or in judgments generally, or ask for an introduction, such as a short note, and our records of introductions and deal room invitations.
Information we gather to confirm who you are before an introduction, such as a state business-registry record or a call-back note. We keep these results internally and never publish them.

What we don't collect through our forms

We don't collect Social Security numbers or consumer financial information through our forms, and our forms are built to reject entries that look like Social Security or card numbers. Please don't send them by email either. If a seller and buyer agree to exchange account-level data, that happens directly between them or under the mutual NDA, not through our website forms.

The price estimator runs in your browser and does not send what you enter to us unless you continue to the form.

How we use it

To reply to you by email, prepare a price estimate (a range based on public market data, not a bid or offer), arrange the mutual NDA and, if you agree, introduce your portfolio to debt buyers. For a judgment you submit: to review the details, reply to you and, only with your OK and after you sign our mutual NDA, share the details you choose to send with debt buyers we may introduce you to. We hold judgments against individuals privately and do not introduce them to buyers until our legal review is complete. For a judgment you list: to review it and, only with your approval, show its summary facts on Judgments for Sale. For buyers: to consider you for introductions, tell the seller that you are interested, make introductions and, after the seller approves you and you sign the Buyer NDA, invite you to the deal room. We also use site-usage data to improve the site and protect it from abuse. For charge-off debt portfolio introductions, we are paid by buyers through a per-introduction fee; sellers pay nothing. For court judgments: Listing is free. Sellers pay a success fee of $500 or 2–3% of the sale price, depending on size, only when the judgment sells. Your exact fee is agreed in writing before your judgment is listed. Buyers pay nothing.

We will not share your judgment or portfolio details, or your name or contact details, with any buyer unless you approve that specific buyer first.

Debt buyers, only with your agreement. Before an NDA, only summary business-level figures. Account-level data moves only after a mutual NDA, and only to buyers you approve. Buyers receive your name, company and contact details only after you approve that buyer.
Sellers, when we introduce a buyer: the buyer's company and contact details, so the seller can decide whether to go ahead.
The public, for a listed judgment: only the summary facts the seller approves, shown on Judgments for Sale under a listing code. Never names, case numbers or contact details.
The deal room, invited users only: a room opens only after the seller approves a buyer and the buyer signs the Buyer Confidentiality Agreement (NDA). Only that seller, that buyer and our team can see what is shared in the room.
Our team, by email: each form submission, including the judgment submit form, the list-a-judgment form and buyer interest, is emailed to our team inboxes so we can reply. Copies of form submissions and emails are also stored in Google Gmail and in an AI-assisted inbox operated by our assistant provider, which may process their content to help us sort and draft replies.
Service providers: Cloudflare, which hosts the site, stores form submissions in Cloudflare KV storage, sends our team alert emails through Cloudflare Email Routing, and provides security, Turnstile and Cloudflare Web Analytics, and hosts the deal room and its Cloudflare Access sign-in; Microsoft, which provides Clarity, with our form fields masked in Clarity; and our email provider, Google (Gmail), and our assistant provider, which carry and store form alerts and messages for our team.
When the law requires it: we may disclose information when the law requires it, for example in response to a valid subpoena or court order.

We do not sell or rent your personal information. We do not sell or share personal information as those terms are defined in the California Consumer Privacy Act.

Cookies and analytics

We use Microsoft Clarity to understand how visitors use the site (for example, clicks, scrolling and pages viewed). Clarity may use cookies, including Microsoft cookies on clarity.ms and bing.com, and some last about a year. Microsoft says Clarity masks what you type into form fields. See Microsoft's privacy statement. Cloudflare Web Analytics counts page visits without setting cookies. You can block or delete cookies in your browser settings.

When pages change, we notify search engines through IndexNow. That sends page addresses only, never visitor data.

How long we keep it

We keep lead and submission data, including judgment submissions, judgment listings, buyer interest, deal room records and the emailed copies in our inboxes, for up to 3 years after our last contact with you, unless the law requires us to keep it longer. Deal room messages and documents are deleted after the room closes, on the schedule shown in the room, unless a legal hold applies. Spam-protection counters expire after about an hour. Clarity data is kept under Microsoft's own retention terms.

Deal room chat: we store the text of each chat message, the sender's room role (seller, buyer or SellChargeOffs) and the time it was sent, encrypted with that room's own key; only the room's invited members and SellChargeOffs can read it, and it is deleted with the room (90 days after a deal closes, or 30 days after a room closes without a deal), unless a legal hold requires us to keep it longer.

Each time SellChargeOffs opens a room's chat, that view is recorded in the room's activity log.

Files you share in a deal room (PDF, JPG, PNG, CSV, Excel or Word) are stored encrypted with that room's key and deleted with the room. PDF and image files are shown with a watermark of the viewer's email and the time; CSV, Excel and Word files can only be downloaded and are not watermarked. Remove personal data, including document properties such as author names, before sharing. Every upload, view and download is recorded in the room's activity log, which both parties can see.

Security

We use reasonable administrative and technical measures to protect information, but no method of storage or transmission is completely secure. If a security breach affects your personal information, we will notify you as the law requires.

Your choices and deletion requests

Email hello@sellchargeoffs.com to ask what we hold about you, to correct it or to ask us to delete it. We answer these requests within 30 days. Information a buyer received under the mutual NDA must be returned or destroyed on written request, as the NDA sets out.

Individuals and businesses named in a judgment submitted to us may ask what we hold about them, and ask us to correct or delete it, at hello@sellchargeoffs.com.

Takedown and correction requests

Anyone can ask us to take down or correct information on our site, including a business named in a judgment, a seller or a buyer. For example, tell us if a judgment has been paid, satisfied, vacated or stayed, if the debtor is in bankruptcy, if there is an identity-theft report or fraud claim, or if anything we show is wrong.

Email hello@sellchargeoffs.com with the page address or the introduction it concerns, what should be removed or corrected and why, and how we can reach you. We answer takedown and correction requests within 2 business days. On a credible report that a judgment was satisfied, vacated or stayed, that the debtor is in bankruptcy, or of fraud or identity theft, we pause any introduction that involves it and hide that information while we review it. There is no form to fill in; email is enough.

Children

The site is not directed to children. We do not knowingly collect information from children.

Changes to this policy

If we change how we handle information, we will update this page.

Contact

Questions about privacy: hello@sellchargeoffs.com.

General information only, not legal advice.