Topic archive

Bill of Sale

Research and practical notes filed under this topic.

January 20, 2025

Chain of Title in Debt Sales: Records, Rights, and Limits

A chain of title documents how a debt account moves from an original creditor through later purchasers. This guide explains the records that can link an account to a transfer, how federal validation information differs from ownership proof, and why state-specific rules require careful review. Published by Search Receivables, a research publication for the receivables industry edited by Jeffery Hartman.

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November 9, 2024

Debt Portfolio Purchase and Sale Agreements Explained

A debt portfolio purchase and sale agreement (PSA) records the business terms for transferring a defined group of accounts, including what is being sold, how closing occurs, and what each party promises. It is important evidence in a transaction, but it is not a substitute for account-level documentation, accurate consumer communications, or state-specific legal review.

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