Seller Terms

Who we are

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

These Seller Terms apply when you submit a judgment or debt to us, ask us to introduce it to buyers, or choose a public listing. They add to our Terms of Use, and our Privacy Policy explains how we handle your information. Capitalized terms have the meanings given in the Terms of Use.

1. What it costs

Charge-off debt portfolios: We are paid by buyers through a per-introduction fee; sellers pay nothing.

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 due only on a completed sale, that is, when the written sale agreement between you and the buyer closes. If no sale completes, you owe us no fee. The exact amount, and when and how you pay it, are set in your written agreement with us, which we sign with you before any introduction.

We do not buy judgments, and we don’t hold or transfer purchase money. Submitting does not guarantee a buyer, a price, a sale or a timeline.

We can't take judgments from these 24 states yet: Alaska, Arizona, Arkansas, California, Colorado, Florida, Hawaii, Idaho, Indiana, Iowa, Maryland, Massachusetts, Nebraska, Nevada, New Jersey, New York, North Carolina, North Dakota, Oregon, Tennessee, Texas, Washington, West Virginia and Wyoming. This applies to the state where the judgment was entered and to the state where you or the debtor is based.

We can't take charge-off debt portfolios from these 17 states yet: Alaska, Arizona, Arkansas, California, Colorado, Florida, Indiana, Iowa, Maryland, Nebraska, North Carolina, North Dakota, Oregon, Tennessee, Washington, West Virginia and Wyoming. This applies to the state where you or your business is based and to the states where the debtors are located. If the debt type you choose is “Other”, both lists apply.

2. Your promises about the judgment

When you submit a judgment, again when you approve a listing, and again before any introduction, you promise that:

• Ownership. You are the judgment creditor of record, or its assignee of record, and you own the judgment outright. If you act for the owner, you are authorized to bind it to these terms.
• No other claims on it. You have not assigned, sold, pledged or promised the judgment, or any part of it, to anyone else. No attorney’s lien or charging lien applies to it. You do not hold it only for collection on someone else’s behalf.
• Valid and enforceable. The judgment is valid and unsatisfied. It has not been paid in full, settled, vacated, reversed or stayed. It is not dormant or expired, and it has been renewed where the law requires.
• No bankruptcy. To your knowledge, no debtor named in the judgment is in bankruptcy, and the judgment is not subject to a bankruptcy stay or discharge.
• No identity-theft report, dispute or fraud claim. No identity-theft report, dispute, or fraud claim has been received on this debt.
• Not medical debt. The judgment does not arise from medical debt. We do not accept medical debt.
• Accurate information. Everything you give us is true, accurate and complete, and not misleading, including whether the judgment is against a registered business or an individual.
• Updates within 48 hours. You will tell us within 48 hours if the judgment is paid, satisfied, settled, vacated or stayed, or if any debtor files for bankruptcy, by emailing hello@sellchargeoffs.com.

3. Private by default

We keep what you submit private unless you choose a public listing. 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. Before we share anything with a buyer you approve, we’ll ask you to sign our mutual NDA. Please don’t send consumer personal or financial information, Social Security numbers or account numbers.

4. Public listing: only if you opt in

• A public listing is optional. It is available only for judgments where every debtor named is a registered business, and not in the states listed in section 1.
• A judgment is listed only if you ask us to list it and then approve exactly what will be shown. By doing both, you consent to us publishing those facts on our Judgments for Sale page.
• A listing shows only summary facts: the state, whether it is a state or federal court, an amount band, an age band and up to two yes/no facts. It never shows names or case numbers.
• Someone may still be able to match listing facts to public court records, and copies may remain in third-party caches or archives after a listing is removed.
• Listing facts can’t be edited once approved. Any change goes back through review and a new approval.
• Judgments against individuals are never listed.

5. Our review rights

We review every submission and listing. We may decline, edit for privacy, hide or remove any submission or listing at any time, including while we look into a takedown request or a report that a judgment has been satisfied, vacated or stayed, or that the debtor is in bankruptcy. We may ask you for more information and may check court records, bankruptcy records and state business registries.

6. How introductions work

You submit or list a judgment with us. If buyers are interested, we may introduce you to them, and only to buyers you approve. You and the buyer then deal directly. You can end or withdraw your submission or listing at any time. We review every submission and listing and may decline, edit for privacy, or remove it.

If you choose a public listing, buyers may express interest in it. Expressing interest is not binding on you or the buyer. You decide which buyers, if any, you are introduced to.

SellChargeOffs is not a party to any deal between you and a buyer, and we do not negotiate price or terms for anyone. You decide whether to go ahead with a buyer. Nothing is binding on anyone until the seller and buyer sign a written sale agreement.

7. Nothing is binding until a written sale agreement

A listing is not an offer to sell. Nothing is binding on anyone until the seller and buyer sign a written sale agreement. We do not buy judgments and we don't hold or transfer purchase money.

Any sale is made only by a written sale agreement signed directly between you and the buyer. You negotiate its terms with the buyer, and you are responsible for your own diligence on the buyer. We are not a party to the sale and do not represent you.

Buyer licenses. Buyers tell us they hold the licenses they need. We do not check or verify buyer licenses, and an introduction is not a recommendation. Check any buyer's licenses yourself before you sign.

8. Judgments against individuals

We do not introduce judgments against individuals (including guarantors, co-signers and businesses doing business under a person's name) to buyers until our legal review is complete. If you submit one, we will hold it privately and tell you before anything happens; you can ask us to delete it at any time.

9. If you give us false information

If you knowingly give us false information about a judgment or debt, or you break a promise in section 2, you will reimburse SellChargeOffs for reasonable losses and attorneys' fees that a third party's claim causes us because of it, up to US$5,000. This does not apply to any loss caused by our own negligence, misconduct or breach. We will promptly tell you about any claim and let you take part in its defense.

10. Ending

You may withdraw a submission or listing at any time before an introduction by emailing hello@sellchargeoffs.com. Section 1 (for a fee already due), sections 2, 7, 9 and this section continue after a withdrawal, the end of a listing, or after we stop working on your submission.

11. 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): judgment listings, buyer interest and the judgment seller fee restored (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; listing is free and buyers pay nothing); we can’t take judgments from 24 states (Colorado, Iowa, Maryland and Wyoming added). 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.