Topic archive
Research and practical notes filed under this topic.
January 20, 2025
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.
Read the analysisNovember 9, 2024
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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