[ KEEP OR SELL ]
Keep or Sell Charged-Off Debt
Selling a charged-off portfolio brings cash now. Working it can bring more over time, or less. Paragon models both paths for every account, net of cost, so the decision rests on numbers rather than a single bid. Paragon was built to liquidate charged-off debt bought with its own money, and the same models run your entire post-charge-off recovery.
Both paths, side by side
For each account we estimate what it would recover over five years through agency or legal, net of fees and court costs, and compare that with what a sale would bring today.
Account by account, not all or nothing
Some segments are worth working and others are worth selling. Scoring shows where the line falls, so you can keep the profitable paper and sell the rest.
Proven on our own money
Our models were built to liquidate debt we buy, so every recovery assumption is tested on our own capital.
Ready for your board and regulators
You get documented, account-level analysis behind the decision, the kind of support a board, auditor or examiner expects before a sale.
Frequently asked questions
Should I sell my charged-off accounts or keep collecting?
Compare the sale price with expected recovery net of cost and time. If working the accounts nets more, keep them; if not, sell. We model both for each account.
How much is charged-off debt worth?
It depends on age, balance, asset type, state and payment history. The best estimate comes from scoring your actual file rather than a market average.
Can we test your models first?
Yes. Send closed accounts with state, zip, balance and charge-off date. We show what each would have collected, when and at what cost. You know the results, so you can grade us.
Know what your file is worth before you sell
Send state, zip, balance and charge-off date. We will show what each account would collect, when and at what cost, by state.
