Jeffery Hartman

Your Partner in Debt Collection Consulting & Brokering

Harmony in Finance

Leading the Charge in Tech, Uniting Lenders, Banks, and Collection Agencies

Take the first step towards financial success by booking a free 15-minute 1-on-1 consultation Discuss your goals and discover how my expertise can benefit your business.

Book a free discovery call today!

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.

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?

Debt Buying and Selling

Comprehensive asset acquisition and offloading services, connecting creditors with top collection agencies via expert brokers.

Debt Portfolio Management

Advanced tools and strategies for maximizing recovery rates.

Starting Collection Agencies

Step-by-step consulting to launch and grow a compliant, profitable agency.

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:

Take the First Step Getting on the Right Track

Debt Consultant Services

Debt Collection Agency Audits

Comprehensive review of operations, compliance, and efficiency.

Regulatory Compliance Guidance

Ensure adherence to FDCPA, TCPA, CFPB, and other federal and state laws.

Debt Portfolio Analysis

Evaluate and optimize performance of purchased or managed portfolios.

Technology Implementation

Integrate AI tools, predictive analytics, RCS platforms, and collection software.

Risk Management Solutions

Mitigate financial, legal, and reputational risks in debt recovery.

Cash Flow Improvement

Optimize accounts receivable processes to enhance liquidity.

TESTMONIALS

What Clients say about us

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.

 

Melody A. Cuff

(Chief Acquisitions Officer)

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.

Michael O'Meara

(Product Manager at Google)

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

Peter Ghiselli

(Vice President, Collections at TransUnion)

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.

Brian Paxton

(Credit & Collection Consultant)

Looking to Sell Your Collection Agency?

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:

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

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.

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.

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.

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 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) RTO Credit Cards DDA Accounts Bad Checks Auto Loans Installment Loans NSF Accounts Medical Debts Accounts Judgment Accounts

Debt Consultant Services

  • Compliance
  • Portfolio Analysis
  • Recovery Strategy
  • Technology Implementation
  • Training

Mortgage Note

Discover expert services in Mortgage Note transactions, including buying, selling, and brokering. Maximize your returns with trusted guidance in performing, non-performing, and re-performing notes,

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Get exclusive insights, trends, and expert tips on debt recovery, compliance, and industry innovations. Check out my blog for updates on strategies and tools reshaping collection agencies and boosting cash flow.

Have questions about debt buyers or selling your collection agency? Get expert answers to FAQs, insider tips, and strategies to maximize value and success!

Where Can I Buy Debt?
 

You can buy debt portfolios from several sources, including:

  1. Directly from Creditors:
    Purchase charged-off debt portfolios directly from lenders such as banks, credit unions, or other originators.
  2. Resellers and Brokers:
    Resellers and brokers act as intermediaries, offering portfolios in various asset classes. Partnering with trusted brokers ensures quality and reduces risks.
  3. Debt Auction Platforms:
    Online marketplaces allow buyers to bid on debt portfolios, but competition is high, and expertise is essential.

Pro Tip: If you’re new to buying debt, team up with an experienced professional debt buyer. They can guide you through the process, help you assess portfolio quality, and minimize risks on your initial investments.

👉 Need Expert Guidance? Contact me today to connect with trusted insiders and maximize your returns!

How to Find the Right Collection Agent?

Finding the right collection agent is essential to ensure effective recovery and minimize risks. Here’s how to identify a reliable partner:

  1. Interview Collection Agencies:
    Before buying your first debt portfolio, research and interview agencies to understand which asset classes they specialize in (e.g., medical, credit card, or auto loans).
  2. Check Licensing:
    Ensure the agency is licensed to operate in the states where you plan to purchase debt. Non-compliance with state laws can lead to lawsuits or account closures.
  3. Look for Accredited Memberships:
    Agencies that are part of organizations like ACA International or RMAi adhere to professional and ethical standards, making them more trustworthy.
  4. Read Customer Reviews:
    Use Google to evaluate the agency’s reputation. Look for reviews that reflect professionalism, compliance, and efficiency in handling accounts.
  5. Evaluate Risk Factors:
    Avoid agencies that generate excessive lawsuits or fail to remit collected funds promptly. A bad collection partner can harm your business and reputation.

Pro Tip: Choose a collection agency with experience in the asset class you’re buying and a proven track record of compliance.

👉 Need help finding the right collection agent? Contact me for expert recommendations and guidance!

How Much Can I Spend and Still Get a Good Return on My Investment?

To achieve a good return on your investment (ROI) when buying debt, it’s crucial to balance your spending with the portfolio’s quality and recovery potential. Here’s a guideline:

  1. Ideal Starting Investment Range:
    Spending $5,000 to $50,000 is recommended for beginners. This range allows you to purchase a portfolio with enough accounts to generate meaningful recoveries.
  2. Smaller Budgets (< $5,000):
    If your budget is below $5,000, focus on acquiring an older shelved portfolio with a higher average balance (e.g., $1,500 or more). This can help you maximize your returns even with fewer accounts.
  3. Portfolio Type and Quality:
    Higher investments often provide access to fresher debt or portfolios with complete data, which typically yield better recovery rates.

Pro Tip: Start small to learn the process, but work with trusted brokers and focus on portfolios with well-documented debtor information for the best ROI.

👉 Need help finding the right portfolio for your budget? Contact me for expert guidance to maximize your investment success!

Can I Buy My Own Debt?

Yes, you can buy your own debt, but it typically must be part of a larger pool of debts. Creditors and brokers often sell debt portfolios in bulk rather than individual accounts.

When buying a pool that includes your debt:

  • You’ll need to work with a creditor, broker, or debt buyer.
  • Ensure you understand the terms and process before making the purchase.

Pro Tip: If you’re new to the process, consult a debt broker or industry expert to guide you and ensure compliance with applicable laws.

What Type of Debt Should I Buy First?

When buying your first debt portfolio, start with a portfolio that offers a higher potential for profitability and manageable risk. Here’s what to look for:

  1. Older Charge-Off Dates:
    Portfolios with older charge-off dates are typically sold at a lower price, offering a higher potential rate of return.
  2. Lower Principal Balances:
    Debts with smaller balances tend to have a better chance of recovery, making them ideal for first-time buyers.
  3. Reliable Sources for Portfolios:
    Begin by reaching out to trusted local sources, such as:
  • Banks or credit unions
  • Car dealerships or Buy-Here-Pay-Here (BHPH) dealers
  • Dentists and doctors’ offices
  • Law firms or small businesses

Pro Tip: Partner with a reliable broker who can guide you through the process and help you evaluate the quality of potential portfolios.

What Are Days of Delinquency Ranges and How Are They Measured?

Days of delinquency ranges are key metrics used to assess the status of unpaid debts and their potential for recovery. Here’s a breakdown of common categories and what they represent:

  1. 30 Days Past Due:
    Accounts that are overdue by 30 days. These accounts typically have the highest recovery potential.
  2. 60+ Days Past Due:
    The ratio of current balances to the total balance of accounts aged 60+ days helps measure the level of delinquent debt within a portfolio.
  3. Average Age of Accounts:
  • 0-30 Days: Recently due and more likely to recover with minimal effort.
  • 31-60 Days: Early-stage delinquencies requiring more proactive follow-up.
  • 61-90 Days: Mid-stage delinquencies with declining recovery potential.
  • 91+ Days: Late-stage or charged-off accounts, typically requiring advanced recovery strategies.

Bad Debt Write-Offs:
The total amount written off as bad debt in the last 12 months reflects the uncollectible portion of a portfolio. This metric impacts profitability and helps gauge risk.

Pro Tip: Understanding these metrics allows buyers and agencies to assess the quality of a debt portfolio and tailor collection strategies effectively.

Finding a Debt Collection Consultant?

If you’re looking for a debt collection consultant to enhance your operations, increase recoveries, and ensure full compliance, you’ve come to the right place. A professional consultant can provide expertise in:

Strategic Planning: Crafting customized recovery strategies tailored to your business needs.

Compliance Mastery: Guiding you through regulations like the FDCPA, FCRA, and TCPA to keep your operations legally sound.

Operational Efficiency: Streamlining processes to reduce costs and boost results.

Agency Setup: Offering comprehensive support to start or scale your collection agency with confidence.

👉 Whether you’re new to the debt industry or a seasoned professional, partnering with the right consultant can transform your success.

Ready to Take the Next Step? Contact me today for expert guidance and customized solutions designed to help you thrive!

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How to Start a Debt Collection Agency: Overcome Challenges & Succeed?

Starting a debt collection agency is challenging due to strict regulations and the need for significant capital. Learn expert tips to navigate federal laws, secure funding, and build a successful agency.

 
How Much Do Collection Agencies Buy Debt For?

Collection agencies typically buy debt portfolios for a fraction of the total owed amount, depending on factors like the debt’s age, type, and recovery potential. Here’s a general breakdown:

  1. Fresh Debt (0-6 Months Old):
    Agencies may pay 6-12 cents per dollar of the debt’s face value due to higher chances of recovery.
  2. Secondary Debt (6-12 Months Old):
    These portfolios often sell for 4-6 cents per dollar as recovery rates decline over time.
  3. Aged or Charged-Off Debt (12+ Months):
    Older, harder-to-recover accounts may sell for as little as 1-3 cents per dollar.
  4. Specialty Debt:
    Certain categories, like medical or secured debt, can command higher prices depending on data quality and collateral value.

Pro Tip: The more complete and accurate the debtor information (e.g., contact details, payment history), the higher the portfolio’s value.

👉 Need help buying or selling debt? Contact us today for expert guidance in navigating the debt portfolio market!

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? Key Insights & Tips

Yes, a debt collection agency can be highly profitable when managed effectively. Profitability depends on several factors, including:

  1. Portfolio Quality: Agencies that purchase high-quality debt portfolios with accurate debtor information often see better recovery rates.
  2. Operational Efficiency: Streamlined processes, effective communication channels (phone, email, SMS), and advanced software can significantly reduce costs and increase collections.
  3. Compliance and Risk Management: Adhering to federal regulations like FDCPA and TCPA avoids costly fines and lawsuits, preserving profits.
  4. Skilled Negotiation: Experienced collectors and skip tracers can recover debts more efficiently, boosting ROI.

Pro Tip: Agencies that specialize in specific debt types, such as medical or credit card debt, can often maximize profitability by leveraging niche expertise.

👉 Want to start or grow your collection agency? Contact us today for expert consulting and strategies to enhance profitability!

How to sell a debt to a collection agency?

Learn how to sell debt to a collection agency with this easy-to-follow guide. From preparing your portfolio to finding reputable buyers and ensuring compliance, get expert advice to maximize your returns.

👉 Read Now to Start Selling Your Debt Securely

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