Register

Bankruptcies

Chapter 13 sales afford lenders high prices with little customer friction.

Selling Chapter 13 accounts can:
  • Improve operating efficiencies
  • Provide financial gains
  • Enhance compliance
  • Reduce or redeploy personnel

The Chapter 13 market is highly efficient when files are thoroughly vetted prior to marketing. Buyers have highly sophisticated compliance-focused servicing operations - much more efficient than any lender. Well-presented portfolios and tight LSA’s achieve the highest prices, and Garnet is expert in the process.

Current pricing can be equal to several years of gross collections.

What Clients are Saying

"Using Garnet, not only were we able to have a successful sale, but we were able to enhance our own business practices based on what we learned during the sale process."
SVP–Regional Bank
"Garnet took care of the difficult things and managed things we never anticipated – made it so easy, we’re using Garnet again."
VP Subprime Auto Lender
"The value Garnet provided in post-sale support preserved more value than the amount I paid."
Chief Risk Officer Auto Finance

$12,000,000

Secured BK Accounts

$7,300,000

Secured Chapter 13s

$202,000,000

Unsecured Chapter 13s

What Differentiates Garnet?

Pricing and Diligence
  • Pre-sale pricing based on market
  • Data remediation by Garnet
  • 3rd Party appends add value
Presentation and Sales
  • Data clearly formatted
  • Investment benefits highlighted
  • Specialists concentrating on sector
Compliance and Closing
  • Entire process documented
  • Closing driven by Garnet pros
  • Accuracy avoids price fade
Copyright 2026 Garnet Capital Advisors, LLC