• Chapter 13 sales give issuers access to highly qualified purchasers with the least amount of consumer friction and the highest attention to transaction compliance.
  • This market is highly sophisticated. Buyers have built compliance-focused servicing operations that are much more efficient than any issuer.
  • Selling Chapter 13 accounts can:
    • Improve operating efficiencies
    • Provide financial gains
    • Enhance compliance
    • Reduce or redeploy personnel
  • Current pricing can be equal to several years of gross collections.

What Clients are Saying

  • "Using Garnet, not only were we able to have a successful sale, but we were able to enhance our own business practices based on what we learned during the sale process."

    SVP–Regional Bank
  • "Garnet took care of the difficult things and managed things we never anticipated – made it so easy, we’re using Garnet again."

    VP Subprime Auto Lender
  • "The value Garnet provided in post-sale support preserved more value than the amount I paid."

    Chief Risk Officer Auto Finance


Secured BK Accounts


Secured Chapter 13s


Unsecured Chapter 13s

*multiple transactions

What Differentiates Garnet?


Pricing and Diligence

  • Pre-sale pricing based on current market.
  • Garnet diligence allows for data remediation.
  • Third party appends increase price and participation.

Presentation and Sales

  • Data presented in format bidders understand.
  • Seasoned deal team highlights investment benefits.
  • Specialty team for specialty product.

Compliance and Closing

  • Seller receives documentation of entire sale process.
  • Closing process driven by seasoned professionals.
  • Attention to detail avoids surprises and price changes.

View other Product Types

Commercial Loans

Certainty of Execution
Custom Analytics

Consumer Loans

Tailored Execution
Broad Experience

Residential Loans

No Price Fade
All Loans Sold

Latin America

Local Knowledge
Market Maker