How it works?

Selling your debt on debtalia is really simple

Three steps and your debt will be up for sale before our community of investors.

Step 1

List your debt or portfolio

Register the debt or portfolio with the amount you are owed in 3 minutes.

  • Safe and confidential process. No commission on the sale.
  • Cost: US$24.90 per single debt and US$89.90 for packages or portfolios.
  • One-off card payment through Stripe.

Listing form in less than 5 minutes

Step 2

Investor review

Debtalia.com is visited daily by investors looking to buy debts.

  • Put your debt up for sale and offer an attractive discount.
  • Investors will be able to contact you directly.
  • We recommend a minimum discount of 20% to attract interest.

Your debt visible to debt buyers

Step 3

Receive offers from investors

If your debt attracts interest, you may well receive several purchase offers.

  • Law firms and investment funds: the main buyers.
  • You will receive requests for more information from interested parties.
  • Documentation is only requested when an investor asks for more information.

Direct, confidential negotiation with the investor

We never ask for the debtor’s data

We do not ask the person listing a debt for any personal or contact details of the debtor. From the creditor we only ask for:

  • the amount owed,
  • what documentation they hold in their favour,
  • and the nature of the debt.

The debtor’s contact or personal details are only shared with the buyer if the two parties reach an agreement.

Debtalia.com merely puts the two parties in touch: it does not transfer data or take part in the transaction.

Frequently asked questions

Selling a debt means assigning the right to collect that debt to a third party through a sale agreement (assignment of debt). The original creditor stops owning the receivable in exchange for an amount lower than the original debt, obtaining immediate liquidity.

Yes, it is perfectly legal. The assignment of debts is recognised under English law (section 136 of the Law of Property Act 1925 for legal assignments). The debtor must be notified in writing of the assignment, and the terms of the debt cannot get worse for the debtor.

You need to be the legitimate owner of the receivable and hold documents that prove it: invoices, contracts, delivery notes, county court judgments (CCJs), etc. You do not upload any documents when publishing: they are only requested when an investor asks for more information.

No. You can sell debts whether or not court proceedings have been issued. In fact, you can do both things at once: put the debt up for sale while pursuing it through the courts.

Listing costs a one-off payment of £19.90 for a single debt and £69.90 for a portfolio or package of debts. Debtalia charges no commission or fees whatsoever on the sale itself.

Typically law firms, debt purchasing companies and private investors, who have their own resources to carry out collection and recovery actions both amicably and through the courts.

When an investor is interested in your debt, they send an enquiry or offer through your debt listing. You receive it directly in your email and can negotiate with them directly and confidentially.

We recommend a minimum discount of 20% on the face value of the debt so that it attracts interest from investors. The price can be marked as negotiable.

Ready to sell your debt?

List my debt from US$24.90