Make Money Buying Debt May 2026

An extensive report by the Federal Trade Commission (FTC) examining how the industry operates, the types of debt purchased (mostly credit card debt), and the data buyers receive.

An academic paper from Harvard Law that explores the legal risks and systemic issues of selling consumer debt as mere spreadsheets without original documentation. make money buying debt

Buyers often receive only a spreadsheet with basic information rather than original signed agreements, which can make legal enforcement difficult. An extensive report by the Federal Trade Commission

Published by Receivables Management Association International, this paper highlights the economic role of debt buyers in providing liquidity to banks and other lenders. How the Business Model Works Risks and Regulations

Unlike original lenders, debt buyers often have more flexibility to negotiate. They may offer settlements where the debtor pays only a fraction of what they owe, which still results in a profit for the buyer. Risks and Regulations