Why Sell Debt?

Sell debt to generate optimized recurring cash flow from defaulted loans.

Creditors are facing more challenges today with managing defaulted consumer credit accounts. Account default rates are rising, the cost of collecting is rising and the web of regulatory and legal environment changes requires full-time effort to understand, manage and monitor. Creditors are not in the business of collecting on defaulted accounts forever; they are in the business of making loans, selling products and providing services. Working with EverChain allows you to cease collecting at the diminishing point of return.

Debt sales is an account recovery strategy that enables creditors to unlock immediate cash flow from defaulted accounts by transferring ownership to an organization that specializes in recovering these types of accounts (a debt buyer) with the infrastructure necessary to collect effectively and compliantly. Cash received for post-defaulted accounts goes straight to the creditor’s bottom line and provides immediate liquidity.

By selling accounts to a debt buyer, creditors are able to improve their financial performance while minimizing regulatory, reputation and financial risks inherent in debt collection both internally and through the management of third-party collection agencies and law firms.

Get Started Today

Why Sell with EverChain?

Why Sell with EverChain?

If any of the links in the EverChain are missing, the chain breaks.

The consumer experience does not end with default. How consumers are treated during the collections process will impact their future purchasing and borrowing behavior. EverChain helps creditors to maximize the value of their defaulted portfolios while maintaining tight control over the treatment and satisfaction of consumers post-sale.

The Tech

EverChain has created proprietary patent-pending technology for optimizing the debt sales process for the benefit of both creditors and debt buyers. Our platform is unlike anything else in the industry, setting us apart as pioneers in the history of debt sales and receivables management. The EverChain platform meets the highest levels of data security compliance (SOC 2 Type 2) and we are a Certified Broker with the Receivables Management Association International. We minimize risks with end-to-end transaction support via our dynamic, multi-functional platform, thoughtfully designed to enable buyers and sellers to seamlessly and successfully come together to execute transactions from pre-bid analysis to post-sale relationship. The platform is fully inclusive of everything necessary for the safest, simplest process on the market including automatic file masking and scrubbing, advanced filtering tools, customized listing notifications, in-depth analysis functionalities, accessible seller data, triple-blind bidding, contract review and negotiation, electronic sale execution, and comprehensive post-sale management including due diligence and oversight maintenance of the collection agencies used by debt buyers.

The Process

We understand the complexities and risks associated with the debt sales process and have built our business around the resolution of these challenges. EverChain requires all buyers and their collection agencies to be certified through our detailed compliance process providing supporting documentation and enabling sellers to have oversight post-sale. Leveraging our technology platform we are able to market portfolios to qualified buyers without releasing unmasked data while still empowering portfolio due-diligence through partnerships with credit bureaus and account scoring providers. EverChain’s post-sale and chain of title tools enable the effortless management of media documentation, putbacks, buybacks and other post-sale needs. As facilitators between originating and secondary creditors, we care for consumers by ensuring high standards of professionalism, security, and compliance through above-par account management and transfer processes. We drive creditor compliance and consumer protection simultaneously, making us the premiere option for low-risk, high-reliability portfolio sales and acquisitions.

The Certified Network

Our network of certified debt buyers and collection agencies is the key to our success, guarded at the gates by the most rigorous certification standards in the industry. The EverChain Debt Buyer and Agency Network consists of highly qualified organizations focused on the purchase, management, and recovery of defaulted consumer accounts. Certified buyers and vendors complete a detailed due diligence package and on-site audit based on and above the standards of the CFPBs Larger Market Participation rule to validate their compliance with EverChain requirements. This includes annual license and certifications review, onsite audits, recording 100% of the calls made on accounts and maintaining a record of all communications with the consumer should any post-sale complications arise. Potential members must be fully licensed and insured to be considered for initial entry to the robust certification process, and members must maintain standards as proven through audits to obtain recertification.

The People

EverChain is not just about technology; it is about the people behind it using our technology to guide the way. Our team at EverChain ensures that sellers and buyers get everything they need from the debt sales process while protecting consumer data. We assist with the due diligence process, providing insights into the marketplace and helping sellers to understand their options. After the sale, our people assist with the investigation and resolution of any consumer complaints, management of media and continued auditing of buyer, agency and law firm compliance with our certification standards. This ensures EverChain’s Network delivers the best post-sale consumer experience by some distance. Nothing compares to EverChain.

Debt Sales Process

Debt sales is a process, not an event.

EverChain has simplified the process of selling debt and enables creditors to quickly unlock the maximum value of their receivables portfolios while guarding against inherent risks on an ongoing basis. Here’s how we assist throughout the process:

EverChain debt sales process


Setting expectations and preparing your file and documentation to maximize the value of your portfolio.

EverChain Official Logo


Loading your portfolio to our platform where you can easily scrub ineligible accounts and create your due diligence packages for future buyer review.


Alerting the EverChain Network of the portfolio listing and assisting buyers with due diligence without accessing PII.

EverChain Official Logo


Reviewing buyer due diligence packages, selecting the right buyer, executing sale documents, receiving sale proceeds and delivering the final unmasked file.

Post-Sale Support

Providing the technology and people to manage media documentation, ongoing buyer and agency due diligence, post-sale obligations and complaint investigations.

Explore the Value of Your Defaulted Receivables.