Terms of Use

Who we are

SellChargeOffs is operated by Jeffery Hartman, known as The Don of Debt (donofdebt.com). “We”, “us” and “SellChargeOffs” in these Terms mean that operator.

These Terms of Use (the “Terms”) apply to your use of sellchargeoffs.com and the services we provide through it (together, the “Service”). By using the Service, you agree to these Terms. If you do not agree, please do not use the Service.

If you submit a judgment or debt for sale, our Seller Terms also apply. If you are a buyer, our Buyer Terms also apply. Our Privacy Policy explains how we handle information. If these Terms conflict with the Seller Terms or Buyer Terms, those more specific terms control for their subject.

1. What we are, and what we are not

SellChargeOffs is an introduction service. We help creditors and other holders of charged-off debt and court judgments (“sellers”) find debt buyers (“buyers”), and we introduce a seller and a buyer when both want an introduction. 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. The fee is set out in our Seller Terms, section 2. Other than that fee, your only cost risk is if you knowingly give us false information or break your promises about the judgment (Seller Terms, section 9).

We are not:

• a debt collector. We never contact debtors or consumers, and we do not collect or receive payments on any debt or judgment;
• a buyer. We do not buy debt or judgments, and we do not take ownership of anything listed or introduced;
• a broker, agent or representative of any seller or buyer. We do not negotiate or sign anything on anyone’s behalf;
• a law firm. Nothing on the Service is legal advice, and using it does not create an attorney-client relationship;
• an escrow agent or payment service. We never hold, receive or transfer purchase money or deposits; or
• an auctioneer. We do not run auctions.

We may introduce you to buyers or sellers. You deal directly with each other. We are not a party to any sale, we do not negotiate price or terms, and we do not promise that any introduction will lead to a sale.

Any sale is made only by a written sale agreement signed directly between the seller and the buyer.

2. No legal, tax or financial advice

Content on the Service, including guides, price estimates and pricing data, is general information only. It is not legal, tax, accounting, investment or financial advice. A price estimate is a range based on public market data, not a bid, an offer or an appraisal. Talk to your own attorney, accountant or adviser before you buy or sell any debt or judgment.

3. No guarantee of a buyer, price, sale or timeline

We do not promise or guarantee that any buyer will be interested in what you submit, that any sale will happen, what price you will get, or how long anything will take. Price estimates and past prices do not predict any particular result.

4. Who may use the Service

To use the Service you must:

• be in the United States and use the Service for debts or judgments governed by U.S. law;
• be at least 18 years old; and
• have the authority to act for yourself or for the business or person you represent. If you use the Service for a business, you confirm that you are authorized to bind it to these Terms, and “you” includes that business.

We may decline to work with anyone, at any time, for any lawful reason.

5. Prohibited uses

You agree not to:

• use the Service in a way that breaks any law or regulation, or infringes anyone’s rights;
• send Social Security numbers, consumer account numbers, medical information or other consumer personal or financial information through our forms;
• submit false, misleading or incomplete information, or submit a debt or judgment you do not own or are not authorized to sell;
• use anything on the Service to contact, pressure or collect from a debtor, or to try to identify a debtor or seller from information shared before a sale agreement is signed;
• go around us in breach of section 10 or the Buyer Terms;
• use information from the Service as a consumer report, or for any purpose covered by the Fair Credit Reporting Act;
• scrape, crawl or copy the Service by automated means, except search engines following our robots.txt;
• interfere with the Service’s security, spam checks or rate limits, or upload malware;
• impersonate anyone or misstate your affiliation with anyone; or
• send spam or unsolicited messages through the Service.

6. The Service is provided as is

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICE AND ALL CONTENT ON IT ARE PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. We do not warrant that the Service will be uninterrupted or error-free, or that information on it, including price estimates and information supplied by sellers or buyers, is accurate, complete or current. Information from sellers and buyers comes from them, and we do not check all of it. 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.

7. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW:

• WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA OR GOODWILL, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, EVEN IF WE WERE TOLD THEY WERE POSSIBLE; AND
• OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS IS LIMITED TO THE GREATER OF (A) THE FEES YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM AND (B) US$100. THESE LIMITS DO NOT APPLY TO LIABILITY ARISING FROM OUR FRAUD, GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, TO OUR BREACH OF OUR CONFIDENTIALITY OBLIGATIONS OR OF THE MUTUAL NDA, OR TO ANY LIABILITY THAT CANNOT BE LIMITED BY LAW.

These limits apply to our employees, contractors and agents too, and they apply whatever the legal theory. Some jurisdictions do not allow some of these limits, so some may not apply to you.

8. Your indemnity

If you are a seller, this section does not apply to you; section 9 of the Seller Terms applies instead. Otherwise, to the fullest extent permitted by law, you will defend, indemnify and hold harmless SellChargeOffs and its employees, contractors and agents from and against any claims, losses, liabilities, damages, fines, costs and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your use of the Service; (b) information you give us; (c) your breach of these Terms or the Buyer Terms; (d) your violation of any law or anyone’s rights; or (e) your dealings with any seller, buyer or debtor, including any sale agreement and any collection activity. We may take control of the defense of any claim at your expense, and you will cooperate with us.

9. Third-party links and services

The Service links to websites and services we do not control, such as court sites, government sources and service providers. We are not responsible for their content, terms or privacy practices, and a link is not a recommendation of them.

10. Non-circumvention (buyers we introduce)

This section applies only to buyers we actually introduce to a seller, not to anyone who only uses the Service without an introduction. For 24 months after we introduce you to a seller, you, your affiliates, and anyone acting for you or them will not buy, or try to buy, from that seller any portfolio or judgment the seller submitted to us, except through an introduction we make. After an introduction you may contact that seller directly; this section only covers deals that go around our introductions. If you breach it for a charge-off debt portfolio, you will pay us liquidated damages equal to the introduction fee that would have applied under your introduction agreement. You and we agree that our loss would be hard to calculate, and that this amount is a reasonable estimate of it and not a penalty. The Buyer Terms set out the details and exceptions.

11. Intellectual property and your information

The Service and its content, including text, guides, data compilations, graphics, logos and software, belong to us or our licensors and are protected by intellectual property laws. You may view and print pages for your own business use. You may not copy, republish, sell or create works from them without our written permission. You keep ownership of information you send us, and you give us permission to use it to run the Service as these Terms and our Privacy Policy describe. 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. If you send us feedback, we may use it without any obligation to you.

12. Suspension and termination

We may suspend or end your access to the Service, decline or remove any submission, or stop providing any part of the Service, at any time and for any lawful reason, including a breach of these Terms. You may stop using the Service at any time. Sections 1 to 3 and 5 to 18, and any fee already due, continue after your use ends.

13. Governing law and venue

These Terms are governed by the laws of the State of Ohio, without regard to its conflict-of-laws rules, and the Federal Arbitration Act governs section 14. For any claim that is not subject to arbitration, you and we agree to the exclusive jurisdiction of the state and federal courts located in the State of Ohio.

14. Dispute resolution: individual arbitration and class-action waiver

This section 14 applies only if you use the Service for business purposes. If you are an individual using the Service for personal, family or household purposes, claims go to the courts named in section 13.

• Talk to us first. Before starting arbitration, send a written notice of your claim to hello@sellchargeoffs.com. You and we will try in good faith to resolve it within 30 days.
• Binding individual arbitration. If it is not resolved, any dispute arising out of or relating to the Service or these Terms will be resolved by binding arbitration on an individual basis before a single arbitrator, administered by a recognized arbitration provider under its rules for commercial disputes, except as set out below.
• Class-action waiver. You and we may bring claims only in an individual capacity, not as a plaintiff or class member in any class, collective, consolidated or representative proceeding.
• Exceptions. Either party may bring an individual claim in small-claims court, or ask a court for an injunction to protect intellectual property, confidential information or the non-circumvention promise.
• Opt-out. You may opt out of this section by emailing hello@sellchargeoffs.com within 30 days after you first accept these Terms.
• If the class-action waiver is found unenforceable for a claim, this arbitration section does not apply to that claim, which will go to the courts named in section 13.

15. Notices

Send legal notices to us by email at hello@sellchargeoffs.com, with “Legal notice” in the subject line. We may send notices to you at the email address you gave us, or by posting them on the Service. Email notices are treated as received one business day after they are sent.

16. Changes to these Terms

We may change these Terms. We will post the new version on this page with a new version date, and for material changes we will give reasonable notice by email or on the Service. Changes apply from the date shown and do not apply to a dispute you notified us of before that date. If you keep using the Service after a change takes effect, you accept the new Terms.

17. General

These Terms, together with the Seller Terms, the Buyer Terms and any mutual NDA you sign, are the whole agreement between you and us about the Service. If any part is found unenforceable, the rest stays in effect. Our not enforcing a term is not a waiver. You may not transfer your rights under these Terms without our written consent; we may transfer ours as part of a reorganization or sale of the business. Nothing in these Terms creates a partnership, joint venture, agency or employment relationship. We are not responsible for delays caused by events beyond our reasonable control.

18. Contact

Questions about these Terms: hello@sellchargeoffs.com.

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

Version 2026-10-23.3 (October 23, 2026): “sellers pay nothing” now applies to charge-off debt portfolio introductions; 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, the exact fee is agreed in writing before the judgment is listed, and buyers pay nothing; judgment listings and buyer interest are back (Seller Terms section 4, Buyer Terms section 2). Version 2026-10-23.2 (October 23, 2026): wording only, no change to any protection: Buyer Terms section 6 is now “No reliance on seller information”, and Buyer Terms section 4 and Terms of Use section 5 refer to information shared before a sale agreement is signed; references to listings removed (Seller Terms section 4 is now “Nothing you submit is published”); Buyer Terms say “ask for an introduction”. Version 2026-10-23.1 (October 23, 2026): introductions only (we introduce buyers and sellers, who deal directly); Seller Terms section 4 shortened, and their title shortened to “Seller Terms” (same address, /terms/sellers); Buyer Terms section 2 and summary trimmed (no listings). Version 2026-10-22.2 (October 22, 2026): judgment fee terms removed; the Seller Terms list the states we can’t take charge-off portfolios from. Version 2026-10-22.1: governing law set to Ohio; operator described as “Jeffery Hartman, known as The Don of Debt”.

General information only, not legal advice.