Who we serve

Last updated: October 15, 2026

Short answer: SellChargeOffs serves any organization that owns debt and wants cash for it: banks and credit unions, fintech and BNPL lenders, auto lenders, medical, utility and telecom creditors, small-balance originators, secondary owners, law firms and judgment holders, and businesses with unpaid B2B invoices. Portfolios range from a single judgment to an ongoing forward-flow program.

Any organization that owns debt and wants to turn it into cash, from a single judgment to a forward-flow program.

Who can sell debt through SellChargeOffs?

Banks & Credit Unions

Credit card, personal loan, overdraft and deficiency balances.

Fintech & BNPL Lenders

Installment, BNPL and digital lending charge-offs, including forward-flow programs.

Auto Lenders

Post-repossession deficiency balances.

Medical & Utility Creditors

Healthcare, utility and telecom receivables (subject to additional state rules).

Small-Balance Originators

Smaller portfolios welcome.

Secondary Owners

Resale portfolios with documented chain of title.

Law Firms & Judgment Holders

Single court judgments or firm-wide judgment inventories.

Businesses

Unpaid B2B invoices and commercial receivables.