October 2, 2026
How to Read a UCC Lien Search Before Buying Commercial Receivables
A commercial-only method for documenting and triaging state UCC financing-statement search results before a receivables purchase.
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Due Diligence
Research and practical notes filed under this topic.
December 9, 2025
Buying Debt Portfolios: Due Diligence, Terms, and Compliance
Buying a debt portfolio is a transaction that requires more than a discounted price: the buyer must evaluate the seller's authority, account evidence, data quality, projected economics, and collection readiness. This guide outlines a practical acquisition process for institutional portfolios while distinguishing federal requirements from state- and fact-specific issues that need legal review.
Read the analysisFebruary 9, 2025
Debt Portfolio Documentation Review: Media and Enforceability
A debt portfolio documentation review tests whether account-level records and transfer records consistently support the intended servicing, dispute, or litigation use. Strong files reduce operational uncertainty, but they do not by themselves establish legal enforceability, which depends on the account, applicable law, and the forum.
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