• #1 Trusted Debt Broker for Buying, Selling, and Starting a Collection Agency Expert Guidance in Debt Management, Accounts Receivable, and Advanced Software Solutions

    Maximize profits and minimize losses in the accounts receivable and debt buying industry with expert advice from the top-rated debt broker in the USA. Whether you're sourcing the perfect debt portfolio, starting a collection agency, or selling your agency, I provide the tools, strategies, and connections you need to succeed.

  • Book Your Free 1-on-1 Consultation with a Debt Broker Today

     Book a free discovery call today!

    Schedule a 15-minute 1-on-1 call with me today!

    Schedule a 15-minute 1-on-1 call with me today!

    Via Phone 567-694-0684
    Book a Free 15-minute Consultation to Discuss Your Needs Today
    Select date and time
    Event time zone:America/Phoenix GMT-07:00
    Book Now  

  • Navigating the World of Accounts Receivable: My Personal Journey

     

    Expertise in Finance: Established since 2008​

    With over 15 years in the finance industry and a proven track record of bought sold or brokered $100 billion in successful transactions, I am committed to delivering results you can trust. Whether you're buying, selling, brokering, or managing financial assets, I provide the expertise and actionable strategies you need to achieve your goals.

    My Expertise Includes:

    • Debt Buying and Selling: End-to-end services for acquiring and offloading performing and non-performing assets, facilitated by brokers who connect creditors with collection agencies and advise on the best firms based on success rates and licensing requirements.
    • Starting Collection Agencies: Step-by-step consulting to launch and grow a compliant, profitable agency.
    • Debt Portfolio Management: Advanced tools and strategies for maximizing recovery rates.
    • Software Development for Agencies: Building AI-driven systems to streamline operations and improve efficiency.

    Actionable Solutions for Complex Financial Challenges

    MY 4 PILLARS OF SUCCESS: T.A.C.T

    T.A.C.T Approach

    • Transparency: Open communication at every step.
    • Accountability: Ownership of outcomes and strategies.
    • Courage: Tackling even the most challenging financial issues.
    • Trust: Building lasting relationships with integrity.

    Why Clients Choose Me

    My Expertise Includes:

    • Debt Buying and Selling: End-to-end services for acquiring and offloading performing and non-performing assets, facilitated by brokers who connect creditors with collection agencies and advise on the best firms based on success rates and licensing requirements.
    • Starting Collection Agencies: Step-by-step consulting to launch and grow a compliant, profitable agency.
    • Debt Portfolio Management: Advanced tools and strategies for maximizing recovery rates.
    • Software Development for Agencies: Building AI-driven systems to streamline operations and improve efficiency..

    Achieving Success in Debt Management

    If you're tired of financial challenges holding you back, let me help. My bilingual expertise and diverse background allow me to work effectively with a wide range of clients, including:

    • Banks and lenders
    • Debt collection agencies
    • BPOs (Business Process Outsourcing)
    • Real estate firms
    • Insurers and reinsurance companies
    • Tech companies

    Take the First Step Toward Financial Transformation

    Whether you're buying your first portfolio, selling your agency, or need help managing accounts receivable, I deliver no-nonsense advice and real results.

    Contact me now to access exclusive opportunities and turn your financial challenges into growth.

    Contact me now and let’s get started!

  • Insights from Hartman: A Personal Perspective

    I’m an accounts receivable consultant and a specialist in collection and recovery as a buy broker/buyer. No fluff, no nonsense. My clients come to me when they need a fast, efficient way to get their hands on debt and kickstart their collection agency.

    I keep things simple and to the point because time is money, and I don’t believe in wasting either. I’m a great listener, but more importantly, I’m a man of action. I solve problems quickly and with precision, always working off facts, decisive action, and the cold, hard truth. My approach gets results. A little blunt at times? Maybe. But I call it honest, and my clients call it effective.

    Here’s the deal: I’ll give you the truth you need, even if it’s not what you’ve been hearing elsewhere. This isn’t about quick fixes or PR stunts. I work with clients who are ready to get real, roll up their sleeves, and focus on strategies that produce financial gains. If you’re here for tea and small talk, we’re probably not a good fit. But if you want real progress, I’m your guy.

    At home, I’m just a laid-back family man in Ohio—Dad to my kids, “Hartman” to my friends and colleagues. But when it comes to business, I’m laser-focused on getting you from where you are to where you want to be.

    So, what’s next? Let’s tackle your challenges and turn them into success stories. I can guide you, but remember—you’ve got to take the medicine if you want to see the results. Let’s make it happen.

    Take a look at my latest article: The Ultimate Guide to Buying Debt

  • Trusted Resources in the Financial Industry

    "Easily Accessible Industry References on LinkedIn"

    Melody Cuff

    Melody A. Cuff

    Chief Acquisitions Officer

    I've worked with Jeff several times over the last 5-6 years and it was always a pleasure. All of the closings on debt portfolio purchases were easy and on time. Jeff is professional and very knowledgeable. I will work with Jeff again and highly recommend working with him and his firm.

    Micheal O'Meara

    Michael O'Meara

    Product Manager at Google

    I recently had the opportunity to have a lengthy meeting and discussion with Jeff about the debt markets, real estate lending and a host of other relevant finance topics. I found Jeff to have a deep perspective on both the secured and non-secured debt markets plus a real "finger on the pulse" of the on-line and non-online lending sectors. He exudes an energy and a passion to do right by his clients. See less

    Brian Paxton

    Brian Paxton

    Credit & Collection Consultant

    Jeffery is "one of those". He loves the deal, enjoys helping people, and loves to work. Whether you're on the phone early in the morning or exchanging texts with Jeffery late at night, he makes himself available and always brings a lot of ideas to the table. What sets him apart is his ability to take action on those ideas and bring them to life, and the marketplace. I recommend you explore what Jeffery has to offer.

    Peter Ghiselli

    Peter Ghiselli

    Vice President, Collections at TransUnion

    Jeffery Hartman has consistently demonstrated professionalism and integrity while facilitating asset sales and acquisitions for my organization. He exercises patience in understanding the motivations for his clients actions and applies his expertise in finding the best suited partners. Jeff's efforts to foster profitable, long term relationships would assist any buyer or seller of accounts receivable navigate the current financial services industry

  • "Pioneering the Accounts Receivable Sector: Assembling a Team of Specialists to Help Various Groups Finalize Transactions"

    Note Brokers - Loan Sales - Debt Brokers

    Fitzgerald Advisors, LLC

    Managing Partner 

    Feb 2016 – Present

    #1 Whole Loan & Note Brokerage Firm

    Our specialty is providing Loan Sale Advisory Services to Financial Institutions such as Banks, Investment Funds, and Insurance Companies. We assist in the purchase and sale of Performing and Non-Performing Whole Loan Portfolios, as well as facilitate the buying, selling, brokering, and investment of Private Mortgage Notes.

    Don of Debt Forbes Council Member

    Forbes Finance Council

    Member - Contributor

    2019- 2020

    Staying Ahead of the Game informing The Forbes Finance Council: Constantly updating my knowledge on financial trends, expanding my network and resources to provide comprehensive solutions.

    Forbes Profile

    OmniChannel NOLA - Contact Center

    NOLA AUTOMATION

    Founder - Creative Director

    2019 - Present

    Omnichannel Call Center Automation

    Unified Customer Engagement: Reach out to customers through various channels, including text messages, emails, phone calls, video, intelligent chatbots, online payment portals, and more, all on a single, powerful platform.

     

  • Boost Your Returns on Debt Sales: Specializing in the brokerage of diverse asset types, I help clients maximize returns and value across a variety of debt categories, including:

    Access Your 2025 Debt Inventory List – Available for Sale Now!

    Direct Deals

    • Credit Card Debt
    • Commercial and Medical Debts
    • CRES Notes
    • Student Loans
    • Title Loans
    • Buy Here Pay Here (BHPH)
    • PNBY and Installment Loans
    • Payday Loans and More

    Secondary Market

    Buy Now, Pay Later (BNPL) Credit Cards DDA Accounts Bad Checks Auto Loans Installment Loans NSF Accounts Medical Debts RTO Accounts Judgment Accounts

    Whole Loans

    Expert in SBA 7A, Non-Guaranteed SBA, and Performing Loans: Skilled in Managing the Complexities of Hard Money, Spec, and Construction Loan Landscapes.

    Mortgage Notes

    Specialized in Mortgage Note transactions, with expertise in Buying, Selling, and Brokering.

  • Exclusive Insights on the Debt Collection Industry: Join our Blog and Stay Connected

    Understanding Call Reports: Essential Insights and Best Practices
    2025年1月15日 · Banks,Credit Union,Call Reports,NCUA,FFIEC
    Laws and Licensing for Debt Buyers: Challenges and Opportunities
    2025年1月15日 · Bad Debt Sales,Debt Buyers,Debt Buying,Debt Buyer 101
    How to Analyze Call Reports: A Guide for Debt Buyers
    2025年1月15日 · Call Reports,Banks,Debt Buyers,FFIEC,Credit Union
    Understanding Call Reports: Insights for Debt Buyers and Financial P...
    2025年1月15日 · Call Reports,Banks,Credit Union,Debt Buyers,FFIEC
    Creating a Credit Box Using AI: A Insiders Guide
    2025年1月15日 · Lending 101,Lenders,Credit Box,Banks,Fintech
    Essential Guide to Debt Collecting: Your Questions Answered
    2025年1月15日 · Debt Collection 101,Understanding the Process,Accounts Receivable,accounts recovery,Debtors 101
    More Posts

  • Frequently Asked Questions on the Process of Debt Buying and Starting a Collection Agency

    Debt Buyers and Selling, Starting a Collection Agency, and Purchasing an Existing Agency: Frequently Asked Questions

    Before you buy debt, take your time. Learn the process first. Don't buy debt impulsively.

    If you have questions about buying your first debt portfolio, ask to look at the chain of title, age, the creditor, and a quick tip on collection strategy, I am always willing to look at a masked file and share my thoughts with you.

    Where can I buy debt portfolios?

    You can go directly to the original creditor and buy from them, or you can buy through a reseller or broker. You can try your luck on the auction debt trader sites, but you'll be bidding against the top expert buyers. If you need help, I can send you a list of well-respected and trusted " Insider" brokers & resellers who will guide you.

     

    * If you are new at buying debt, you might want to team up with a professional debt buyer to learn from them and help mitigate your risk on the first few buys.

    How to find the right collection agent?

    Before buying your first debt portfolio, you want to start interviewing debt collection agencies and find out what asset class they do well with. After that, you find a good collection agency partner to service your accounts; make sure they are licensed in the states you buy the debt in. Also, it's good if they are part of a credited organization, ACA or RMAi, and lastly, check google and read all the customer reviews. You don't want to place and get shut down for generating too many lawsuits that might be short on remits or get you sued.

    How much can I spend and still get a good return on my investment?

    To see the results and you're just starting, I would recommend you spend anywhere between the $5,000 + $50,000 range. If you're going to spend less than 5000, make sure you're getting a decent volume of accounts; I would recommend buying an older shelved portfolio with an average balance of 1500 or more.

    Can I Buy My Own Debt?

    Short answer. Yes, but you need to buy your debt in a larger pool of debts.

    What type of debt should I buy first?

    First, you want to purchase a portfolio with an older charge-off date and a lower principal balance. This is because lower principle and older charge off means a higher rate of return and so has more potential for providing a profit. The best place to start looking for a reliable broker is to reach out to your local bank, credit union's or car dealerships / BHPH, dentist, doctor's office, or law firms, etc.

    Days of Delinquency Ranges

    + 30 days past due
    The ratio of current balances to total balance aged 60+ days
    Average age (days) for all accounts aged 0-30, 31-60, 61-90, and 91+
    The total amount is written off as bad debt in the last 12 months

    Finding a Debt Collection Consultant

    I provide business owners with as-needed professional debt collection, accounts receivable management services & consulting that is dedicated to reducing bad debt and slow receivables in an affordable way.

    How to start a debt collection agency? Where to start?

    If you're looking to start your own debt collection agency, several factors make the process difficult. You will need a large amount of capital and patience when starting this business because it is highly regulated by federal law.

    How much do collection agencies buy debt for?

    Purchasing debt through an online auction bidding process is difficult that is why its buying from a private party or direct from the lender. Debt buyers pay on average 3.50 cents for every dollar for debt, but this changes for older debts because they are less likely to be collected on.

    What is debt collection practices act?

    The Fair Debt Collection Practices Act is a law that regulates how creditors and collectors interact with consumers.

    Is a debt collection agency profitable?

    Debt collectors are always in demand, and for good reason. Debt can be pretty annoying when you're struggling with it yourself- but having an expert handle all of that hassle makes things a lot easier! A debt collection business owner must first obtain customers from originators (lenders), as well as buyers who purchase debts on their behalf to locate the debtor(s). They then need enough energy/time put into communication channels like text messages, phone calls, or emails so they don't get lost amongst other messages; skip tracing where possible via court records if necessary - contact should not go ignored until every last effort has been exhausted.

    How to sell a debt to a collection agency?

    The process is simple you first have to gather all your debts in a secured excel file, then make sure you have all the necessary information, origination date, last payment amount, DOB, SSN, address, email, phone number, co-signer information, if any, and signed contracts of all the debtor you wish to sell.

  • FAQs Accounts Receivables

  • Midwest Ohio
    Monday - Friday 9 - 6
    5676940684
    5676940684
Cookie Use
We use cookies to ensure a smooth browsing experience. By continuing we assume you accept the use of cookies.
Learn More