• Expert Assistance for Debt Buying, Starting a accounts receivable Agency, and Debt Management

    "Maximize profits and minimize losses in the accounts receivable industry with expert guidance. Whether you're looking for the right paper or need help selling your collection agency, I can provide the support you need to succeed."

  • Book a Free 1-on-1 Consultation Call with me 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
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  • Navigating the World of accounts receivable: My Personal Journey



    Expertise in Finance: Established since 2008​


    Expertise You Can Trust: With over 15 years of experience in the finance industry and 25B in successful transactions, you can rest assured that you are in good hands with me on your side.


    My experience extends to:


    ✓ Buying, Selling, Brokering, and Managing Performing & Non-Performing Assets


    ✓ Strategic Consulting for banks, lenders, collections agencies, insurance/reinsurance companies, and tech companies


    ✓ Consolidated bad loans into sexy deals in record time


    ✓ Consulting on high-profile cases with Investment Strategy, Risk + Portfolio Management, and Strategic Planning


    ✓ Largest Online Community with Linkedin Credit Union & Community Bank group - the biggest Slack channel for finance professionals.


    Expert Solutions for Complex Financial Challenges: People turn to me for actionable solutions to their financial struggles.



    • TRUST

    Achieving Success in Debt Management: My Four Pillars of Transparency, Accountability, Courage, and Trust.


    If you're tired of struggling with financial issues, explore my services and stop wasting time. As a bilingual expert in finance, I have a diverse background working with companies to improve communication, offload bad debt, and streamline their balance sheets. Whether you're a BPO, bank, lender, real estate company, insurer, or starting a debt collection agency, I'm ready to help you achieve your goals.


  • Insights from Hartman: A Personal Perspective

    I am a accounts receivable consultant specializing in Collection and Recovery. Without the BS. My clients come to me when they need the quickest and most efficient way to gain access to debt to help jumpstart their collection agency.


    I offer a no-fluff, straightforward and tactful approach that doesn’t beat around the bush. Time is money, baby. I’m a great listener, but I am an action man. I know the best ways to solve a problem fast and with precision. I work off of facts, action, and the cold hard truth. I recover success stories. A little harsh at times? Maybe. But I see it as pure bliss.


    It’s the honesty you want, and it’s definitely not the honesty you are currently getting.


    This is not a quick-fix PR stunt either. My work and how I work with my clients allow me to filter out who is the best match for my methods. We don’t have to sit here and play tea time, wasting precious time when we could be making deals that lead to financial gains, which is what you really want anyway.


    At home, I’m a surprisingly peaceful family man living in Idaho, collecting classic cars and Mustangs. A husband, a father, and still called “Hartman!” by all my friends. But enough about me, let’s air out that dirty laundry and get you rolling into your newest success story. I am here to help, but I can only take you so far. After all, you can’t blame the doctor if you don’t take your medicine.


    Take a look at my latest article "The Ultimate Guide to Buying Debt" if you're interested in purchasing 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

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

    June 2, 2021 · sell debt,how to buy debt,Debt For Sales,Debt Portfolios,Debt Buyer
    More Posts
  • Leading the Way in the accounts receivable Industry:

    Building a Team of Experts to Assist Diverse Groups in Closing Deals


    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


    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.

    Victors Hope

    Victor’s Hope Foundation (VHF)

    Board Of Directors

    Feb 2014 – Present

    A Humanitarian Organization Providing Quality Medical Care to Those in Need. Impartial and Neutral, we do not align with any political agenda or country. Remember, with determination and hard work, nothing is impossible." - Victor Sopuruchi Chukwueke.

  • Maximizing Profits from Debt Sales: Expertise in Brokering Different Types of Assets including Credit Card, Commercial, and Medical Debt, Notes on CRES, Student Loans, Title Loans, BHPH, PNBY, Installment/Payday Loans and More.

    "Access Your 2023 Debt Inventory List: Available for Sale Now!"

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

    "Debt Buying 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 a debt portfolio, such as 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.

    FAQ Debt Buying

    Q: What is debt buying?


    A: Debt buying is the process of purchasing delinquent or defaulted consumer debt from original creditors or other debt buyers at a discounted price. The debt buyer then attempts to collect the full amount of the debt from the consumer.


    Q: What types of debt can be bought?


    A: Common types of debt that can be bought include credit card debt, medical debt, student loan debt, and personal loan debt.


    Q: How do I make money from debt buying?


    A: Debt buyers make money by purchasing debts at a discounted price and then collecting the full amount of the debt from the consumer. If the debt buyer is successful in collecting the debt, they can earn a profit on the difference between the purchase price and the amount collected.


    Q: How do I start a collection agency?


    A: Starting a collection agency involves obtaining a business license and registering with state and federal regulatory agencies. You will also need to acquire a surety bond and comply with the Fair Debt Collection Practices Act (FDCPA) and other regulations. It's also important to have a good understanding of the industry and the laws surrounding it.


    Q: What are the requirements for starting a collection agency?


    A: Requirements vary by state, but generally, you will need to obtain a business license, register with state and federal regulatory agencies, acquire a surety bond, and comply with the FDCPA and other regulations. It's also important to have a good understanding of the industry and the laws surrounding it.


    Q: What are the risks associated with debt buying?


    A: The main risk associated with debt buying is that the consumer may not pay the debt, resulting in a loss for the debt buyer. Other risks include potential legal costs and fees associated with collecting the debt and the possibility of the consumer filing for bankruptcy.


    Q: How do I determine the value of debt?


    A: The value of a debt is determined by the likelihood of the consumer paying the debt. Factors influencing this include the consumer's credit score, employment status, and overall financial situation. Additionally, the amount of time that has passed since the debt was incurred and the laws and regulations of the state can also play a role.


    Q: Is debt buying legal?


    A: Yes, debt buying is legal as long as it is done in compliance with state and federal laws, including the Fair Debt Collection Practices Act (FDCPA).


    Q: Is starting a collection agency a good business opportunity?


    A: Starting a collection agency can be a good business opportunity, but it's important to understand the risks and regulations involved. Additionally, it's important to have a good understanding of the industry and the laws surrounding it.

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