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
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
Reversibility Irreversible, debt is sold permanently No-commitment pilot, 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

$350K
35% average recovery = $350K collected
Far more than a one-time sale, and you keep the upside
We quote after reviewing your receivables
Far more in your pocket than selling to a buyer

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 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 the AgentCollect 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 customers have filed bankruptcy or are judgment-proof

When AgentCollect is better

  • Accounts are less than 2 years old and customers are still in business
  • You care about brand reputation and how customers 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

Pricing has three parts: a one-time setup fee, a subscription, and a small variable fee. We quote after reviewing your receivables.