• Compliance is the key to success in a sale of nonperforming or charged-off assets.
  • Garnet has built and documented a process that follows regulatory guidance and consent orders.
  • Our process has given buyers and sellers comfort and Garnet a dominant market share.

What Clients are Saying

  • "Our risk assessment found zero findings. That’s a first for us!"

    Top 10 Bank – Vendor Approval Department
  • "The whole Garnet team has been outstanding, I have and will continue to recommend you."

    Chief Risk Officer – Consumer Finance Company
  • "As a first time seller … Garnet did an excellent job guiding us."

    President – Nonprime Auto Lender


Commercial Charge-offs


Auto Charge-Offs & Bankruptcies


DeVille Asset Management


Secured BK Accounts


Student Loan Charged-Offs


Consumer Charge-offs


Consumer Loan Charged-Offs


Consumer Loan Charged-Offs


Consumer Loan Charged-Offs

*multiple transactions

What Differentiates Garnet?



  • Over $100 billion in closings
  • Seasoned sales team
  • Familiar with buyer model inputs


  • Deep dive analytics
  • Presentation from buyer’s viewpoint
  • Data validation to address compliance


  • Continual focus through final negotiations and close
  • Final reconciliation and settlement statements
  • Post-Closing Desk Reference

What are the Critical Factors in Charge-Off and Bankruptcy Sales?

1. Information

  • Data file confirmation
  • Offering tells the portfolio "story"
  • "Clear, Concise, Correct" presentation
  • Third party info appends add value

2. Pooling

  • Pools constructed for buyers
  • Sales team schooled in value
  • Full market coverage
  • Creates price transparency

3. Closing

  • Track portfolio changes
  • LSA negotiations
  • Guided by current compliance environment
  • Confirm settlement statements

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