Debt Sales 101

We are excited to announce the launch of a new six-part podcast mini-series focused on one of the most important and often misunderstood areas of consumer financial services: debt sales.

Over the past several years, debt sales have evolved significantly. What was once viewed primarily as a back-end recovery tool is now a strategic lever that touches everything from balance sheet management and liquidity to regulatory risk, litigation exposure, and brand reputation. At the same time, the legal and compliance landscape governing these transactions has become more complex, more fragmented, and more consequential.

This mini-series is designed to provide a practical, end-to-end roadmap for understanding how debt sales actually work, both from a business and legal perspective. Drawing on real-world experience advising clients and executing transactions, we walk through the full lifecycle of a debt sale and highlight where opportunities exist and where risks most often arise.

The series is co-hosted by Joseph Schuster, Partner in Ballard Spahr’s Consumer Financial Services Group, and Chris Eastman of Franklin Ross Strategies, bringing together both the legal and regulatory perspective and the commercial and operational perspective.

Each episode builds on the last, moving from foundational concepts to more advanced and practical considerations, including contracting, regulatory expectations, and post-sale oversight.

Whether you are considering a debt sale program, actively managing one, or advising clients in this space, we hope this series provides clear and practical insights that you can apply immediately.

Click the links below to listen and learn more about each of the six episodes in the series.

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This alert is a periodic publication of Ballard Spahr LLP and is intended to notify recipients of new developments in the law. It should not be construed as legal advice or legal opinion on any specific facts or circumstances. The contents are intended for general informational purposes only, and you are urged to consult your own attorney concerning your situation and specific legal questions you have.