Compare

Debt Buyers
vs AgentCollect

Debt buyers pay 4-10 cents on the dollar for your receivables. AgentCollect recovers 25-50% and you keep 89%+ of it. The math is not close.

Side-by-side comparison

Feature Debt Buyer AgentCollect
Your recovery on $1M debt $40K-100K (4-10 cents/dollar) $223K-445K (after 10.8% fee)
Brand control None. Buyer uses aggressive tactics under their name Full white-label, your brand on every touchpoint
Customer relationship Permanently destroyed, they now deal with a stranger Preserved, 40% of recovered accounts return
Compliance risk High. Buyer's practices reflect on your brand Full Reg F, TCPA, FDCPA compliance built-in
Timing Lump sum now, lose all upside Higher recovery over weeks, paid as collected
Transparency Zero visibility after sale Real-time dashboard, full call transcripts
Minimum portfolio $500K-1M+ minimum to get buyer interest No minimum, works with any volume
Reversibility Irreversible, debt is sold permanently Cancel anytime, accounts return to you

The math on $1M in bad debt

Sell to a debt buyer

$70K
Average purchase price: 7 cents/dollar
One-time payment, you lose all upside
Buyer keeps everything they collect

Collect with AgentCollect

$312K
35% average recovery = $350K collected
Minus 10.8% fee = $312K in your pocket
4.5x more than selling to a buyer
That is $242K more in your pocket

Why selling debt is leaving money on the table

Debt buyers profit because most of those accounts are collectible. Here is why you should collect them yourself.

You are subsidizing their profit

Debt buyers purchase at 4-10 cents and recover 20-40 cents. That margin is yours. AgentCollect gives you the same recovery capability at a 10.8% fee instead of giving away 90-96% of the face value.

Protect your brand reputation

When a debt buyer calls your former customer with aggressive tactics, that customer blames you. With AgentCollect, every interaction is professional, branded, and under your control. No CFPB complaints. No BBB reviews.

No portfolio minimum

Debt buyers ignore small portfolios. They want $500K+ to justify due diligence. AgentCollect has no minimum. One invoice or ten thousand, same technology, same recovery rate, same success-only pricing.

When selling to a debt buyer makes sense

  • You need cash immediately and cannot wait for collection efforts
  • Accounts are extremely old (2+ years) with very low collectibility
  • You want to clean the balance sheet and take the tax write-off now
  • The debtors have filed bankruptcy or are judgment-proof

When AgentCollect is better

  • Accounts are less than 2 years old and debtors are still in business
  • You care about brand reputation and how debtors are treated
  • You want 4-5x more recovery than a debt buyer would pay
  • Your portfolio is under $500K and buyers are not interested
  • You want to try recovery first, with the option to sell remaining accounts later

Stop selling your
receivables for pennies.

Before you sell to a debt buyer, let us show you how much more you could recover. Bring your write-off list to the demo.

Book a 30-min demo

$0 if we don't collect. No setup fees. Cancel anytime.