Question 1

Why sell charged-off receivables?

Accepted Answer

Selling non-performing receivables allows creditors to recover immediate value from stagnant accounts while eliminating the ongoing administrative and compliance costs of in-house recovery.

Question 2

What types of portfolios does Standard Acceptance purchase?

Accepted Answer

We purchase unsecured consumer receivables including personal loans, credit cards, retail finance, and fintech-originated accounts.

Question 3

How do you determine pricing?

Accepted Answer

Portfolio pricing is based on data quality, historical payment behavior, documentation completeness, and state-level compliance characteristics.

Question 4

How is consumer data protected?

Accepted Answer

All transfers are encrypted, logged, and handled in accordance with FDCPA, GLBA, and state privacy requirements. We maintain a culture of data minimization and zero-tolerance for unauthorized access.

Question 5

What post-sale support do you provide?

Accepted Answer

Our seller partners receive a dedicated liaison for reporting and post-sale inquiries. We also maintain open communication channels to ensure ongoing compliance alignment.

Why sell charged-off receivables?

What types of portfolios does Standard Acceptance purchase?

How do you determine pricing?

How is consumer data protected?

What post-sale support do you provide?

Debt Sales FAQ