I build the systems lenders use to win. I turn bad debt into cash for banks, credit unions, and fintechs. My job is simple: I move risk off your books and put capital back in your vault.
(Industry known as “The Don of Debt”)
Calling all Tech Companies entering the Accounts Receivable space, Bank VPs needing a liquidity engine, and Debt Collectors with a concept that breaks the mold.
You don't need another consultant who just talks theory. You need a builder.
I am an Institutional Loan Sale Advisor by day, but a Tech Architect by night. I bridge the gap between financial compliance and code.
Stop guessing. Access the proprietary valuation engines and operational calculators used to benchmark the 2026 debt market.
Face value is a vanity metric. Use our Institutional DCF Calculator to determine the Net Present Value (NPV) of your charged-off portfolio vs. market liquidity.
Run Valuation →Holding bad debt is not an asset strategy; it is a liability. Discover why the "Hold and Pray" model is toxic in 2026 and how to engineer your exit.
Read The Report →High "Cost-to-Collect" is killing your valuation. Use the Hartman Efficiency Formula to calculate your true Net Operating Margin and benchmark against elite peers.
Audit Your Agency →Take the first step towards financial success. This is your opportunity to discuss your specific goals and discover how my expertise can directly benefit your business.
Book a Discovery CallDeep expertise in the finance industry with a dedicated focus on the complexities of the secondary debt market.
A proven track record of buying, selling, and brokering over $100 billion in successful, high-value transactions.
Delivering the experience and insight needed to manage debt sales, optimize collection agencies, and leverage technology.
Zero friction. No fluff. No games. I provide raw numbers and real strategy. If the deal isn't there, I tell you. If it is, we close.
I am not a theorist. I buy, sell, and manage debt every single day. My advice comes from the trenches, not a textbook.
I don't just use the tools; I build them. From Debt Catalyst to Bank Watch Pro, I engineer the infrastructure that powers modern recovery.
Speed is the new currency. I deliver honesty in valuation and velocity in execution. We move when others hesitate.
Growth is not limited by financial challenges; it is choked by a failure of strategy. I provide the protocol to correct this.
I do not just serve Wall Street. I architect liquidity for the entire ecosystem. Whether you are a Regional Bank needing to exit non-core assets or a Credit Union balancing member recovery with capital preservation, the mandate is the same: Victory is engineered.
As a senior collection agency consultant and capital markets director, I architect the advanced collection strategies that institutions rely on to mitigate risk. This is not just collaboration; it is the deployment of a superior infrastructure for lenders, investors, and entrepreneurs building an empire.
Clarity drives execution. I offer three structured engagement tiers designed to align with your institution's lifecycle stage—from diagnostic analysis to transaction execution and long-term architecture.
For institutions requiring immediate clarity on asset value and risk exposure before going to market. A forensic deep-dive into your data and documentation.
The execution engine. I package, market, and close your debt portfolio sale through our private network of vetted buyers. No cure, no pay.
For lenders and agencies needing a fractional Chief Strategy Officer. I architect your recovery infrastructure, vendor networks, and forward-flow agreements.
Stories are for marketing. Numbers are for banking. Here is the verified performance record of the Deal Desk.
Commercial Judgment Portfolio Liquidation. Sold at 12% above book value via Private Treaty.
Basis Points achieved on Fresh NPL Consumer Paper. A 35% premium over public auction averages.
Increase in Revenue Per Call (RPC) following our operational protocol and tech stack redesign.
Liquidation Rate achieved in first 90 days. We structured the data enrichment pre-purchase to ensure velocity.
Institutional Solutions for the Modern Debt Economy
The Professional Record
I have assembled an elite cadre of debt portfolio managers, accounts receivable strategies, and capital markets specialists. We are dedicated to one outcome: helping institutional lenders and agencies execute secure, audit-ready transactions that maximize net recovery.
We provide loan sale advisory services to banks, investment funds, and insurance companies. Our focus includes the purchase and sale of performing and non-performing whole loan portfolios, as well as the buying, selling, and brokering of private mortgage notes.
Debt Catalyst is the institutional-grade intelligence platform for the debt buying industry. We replace outdated FICO-based models and manual spreadsheets with a powerful, AI-driven ecosystem. Our platform provides end-to-end capabilities, including: a granular, DCF-based valuation engine; actionable “AI Recovery Blueprints” for account-level strategy; a unique Economic Strength Index (ESI) for geo-risk; and a full suite of tools for pre-acquisition due diligence and post-acquisition performance ar management. We empower debt funds and acquirers to price with precision, strategize with intelligence, and manage their portfolios for maximum ROI.
Bank Watch Pro is a real-time banking intelligence and risk analytics platform designed to help lenders, investors, and financial professionals monitor the financial health and regulatory standing of U.S. banks and credit unions. Leveraging call report data, advanced risk scoring algorithms, and AI-powered alerts, Bank Pro Watch transforms complex financial filings into actionable insights.
The platform provides a comprehensive view of institutional performance, including non-performing loan (NPL) trends, capital adequacy, delinquency patterns, charge-off risk, loan portfolio exposures, and early warning indicators. With seamless integrations to AI, FDIC, NCUA, FRED and Census Bureau data, users can track asset quality, peer benchmarks, consumer complaint trends, and geographic risk profiles—all in one place.
The premier industry community focused on community banking, lending, credit risk, portfolio performance, and FDIC data. Moderated to promote high-quality discussions that support operational excellence in the community banking sector.
A dedicated ecosystem for portfolio management, compliance, lending strategy, and operational intelligence. I oversee discussions, frameworks, and insights that support over 21,000 Credit Union executives and operators.
Specializing in the brokerage of diverse debt asset types, I help clients maximize returns on debt sales. From charged-off portfolios to niche debt categories, unlock value and profitability with expert guidance.
Access Your Debt Inventory List"I do not broker deals on public forums. My private mandates and institutional inventory are managed exclusively through Fitzgerald Advisors. This ensures your data remains secure and your brand protected."
Authoritative analysis on debt recovery, compliance, and collection technology. This is the official source for the protocols and frameworks used to increase liquidation rates and ensure operational dominance, regularly reviewed.
This is not a contact form. It is a direct channel to the command center. For strategic engagements and portfolio liquidation, use the following secure channels.
Architecting liquidity events for Banks, Fintechs, and Agencies through Strategic Advisory, Portfolio Disposition, and AI-Driven Compliance.
