National Debt Holdings

What National Debt Holdings does

National Debt Holdings, LLC is a privately held, Fort Lauderdale-based passive debt buyer founded in January 2011 by Jeremy Poehler. The company acquires charged-off consumer receivables portfolios — including credit card, personal loan, auto deficiency, fintech/marketplace lending, retail and private-label credit, and telecommunications and utility debt — from national banks, credit unions, fintech lenders, auto finance companies, and alternative financial institutions. NDH does not collect directly from consumers; instead, it assigns acquired accounts to a vetted network of licensed third-party collection agencies and law firms under a proprietary data-driven waterfall placement strategy. Forward flow arrangements are offered to creditors preferring scheduled, recurring sales rather than one-time transactions, and master servicing services are provided to other portfolio owners seeking placement and oversight of their collection partners.

The company's revenue mechanics are transaction-based: NDH purchases portfolios at competitive, compliance-aligned prices customized to each portfolio's characteristics, then funds within an average of five to ten business days from contract execution. Portfolio review and valuation services (due diligence, data stratification, media document review, and strategy recommendations) are offered at no obligation as part of the sales process. Cumulative receivables acquired exceed $100M across major industries. Customized reporting integrates with each client's existing data tracking methods and IT platforms, creating operational continuity for repeat sellers.

NDH differentiates primarily on compliance and reputation management. The firm has held RMAI Certified Receivables Business status since 2012, earned BBB A+ accredited business status in December 2020, is NMLS-registered (ID 1381253), and operates in alignment with FDCPA, TCPA, CFPB, and CCPA requirements. A dedicated Chief Compliance Officer (hired April 2022) oversees vendor and partner compliance. The go-to-market is sales-led and enterprise-focused, built on direct relationships with creditor sellers, industry conference participation (RMAI Annual Conference), and content marketing via the company blog and consumer education channels. Customer support services (account verification and dispute direction) are provided to consumers with accounts in NDH's portfolio, reinforcing the company's reputation-protective positioning for creditor partners.

Name

National Debt Holdings

Legal name

National Debt Holdings

Website

https://nationaldebtholdings.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

National Debt Holdings is a Fort Lauderdale-based passive debt buyer that acquires charged-off consumer receivables portfolios from banks, credit unions, fintech lenders, and other creditors, then manages recovery through a network of licensed third-party collection agencies and law firms.

Ownership category

akta.pro rank

Product category

Receivables Management and Debt Buying

NAICS

Credit Intermediation and Related Activities (522)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Debt Buying & Portfolio Acquisition (Charged-Off Receivables) (FSAKAJAC)

akta.pro secondary industry

Debt Buying / Portfolio Acquisition & Recovery (Debt Purchasers) (BPAAAEAG)

Keywords

• Debt portfolio acquisition
• Receivables management services
• Charged-off consumer debt
• Forward flow arrangements
• Passive debt buying

Headquarters

HQ city

Fort Lauderdale

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Portfolio Acquisition - One-Time: One-time purchases of charged-off consumer debt portfolios from creditors. NDH acquires the accounts and assigns them to licensed servicing partners for collection.
2. Forward Flow Arrangements: Recurring portfolio acquisition agreements with creditors who prefer to sell on a scheduled basis. Provides predictable pricing, fast turnaround, and consistent buyer relationship.
3. Master Servicing Oversight: NDH manages accounts placed with partner network of collection agencies and law firms. Maintains vendor oversight, audit, compliance monitoring, and performance management throughout recovery process.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

National Debt Holdings is a passive debt buyer that acquires charged-off consumer debt portfolios—including credit card, personal loan, auto deficiency, fintech, retail credit, and telecommunications/utility receivables—from creditors such as banks, credit unions, and fintech lenders. The company does not collect directly from consumers; instead it places acquired accounts with a vetted network of licensed third-party collection agencies and law firms, providing master servicing oversight, compliance monitoring, and customized reporting. It also offers forward flow arrangements for recurring portfolio sales and no-obligation portfolio reviews and valuations.

Product overview

National Debt Holdings is a passive debt buyer offering a comprehensive suite of debt portfolio acquisition and management services. The core offering consists of debt portfolio acquisition (purchasing charged-off credit cards, personal loans, auto deficiencies, fintech portfolios, retail credit, and telecom/utilities debt), forward flow arrangements for recurring sales, master servicing through a vetted network of collection agencies and law firms, and portfolio review and valuation services. The company does not collect directly from consumers, instead assigning accounts to licensed third-party agencies and law firms for account servicing. Consumer support services are provided for account verification and dispute resolution.

Differentiator

Problem solved

Functional benefit

Products and services

• Debt Portfolio Acquisition National Debt Holdings purchases charged-off consumer debt portfolios from creditors including banks, credit unions, fintech lenders, auto finance companies, retail credit issuers, and telecom/utility providers, providing immediate cash recovery and a compliant exit from non-performing receivables.
• Forward Flow Arrangements Recurring debt purchase program for creditors who prefer to sell charged-off portfolios on a scheduled, ongoing basis, offering predictable pricing, fast turnaround, and a consistent buyer relationship with NDH.
• Master Servicing NDH acts as master servicer managing accounts placed with a network of vetted collection agencies and law firms through data-driven waterfall strategies, providing compliance oversight, vendor management, audits, and streamlined data reporting for creditor clients.
• Portfolio Review and Valuation No-obligation, guaranteed portfolio reviews and valuations including due diligence, data stratification, media document review, and comprehensive strategy recommendations to inform debt sale decisions for creditor clients.
• Consumer Support Services

Quantifiable outcome

• $100M+ in receivables acquired across major industries
• +2 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Eight partnerships are on record, tiered minor and core.

• Special Spaces - Boca Raton ChapterminorOthers · 1 January 2025Charitable partnership sponsoring room makeovers for children battling cancer. NDH helped create a dream bedroom for a child in need, providing comfort and a personalized healing space.
• National Down Syndrome Society (NDSS)minorOthers · 1 January 2021Charitable donation to the leading Down Syndrome advocacy organization in memory of CEO's brother. Supports NDSS's three key areas: resources and support, policy and advocacy, and community engagement.
• Support Surfside FundminorOthers · 1 January 2021Donation to support victims and families impacted by the Champlain Towers South condo collapse tragedy in Surfside, FL. Fund provided immediate cash support to affected families.
• Ocean ConservancyminorOthers · 1 January 2020Holiday season donation to support ocean conservation efforts. Ocean Conservancy is a science-based advocacy group dedicated to protecting marine habitats and restoring sustainable fisheries.
• Collection Agencies and Law Firms (Servicer Network)coreChannel Partner/ Reseller/ DistributorNDH maintains a network of vetted, licensed collection agencies and law firms that handle account servicing after portfolio acquisition. Partners are carefully selected based on specialties and locations, and routinely audited for compliance. NDH places and manages accounts with these partners based on their specialties, locations, and proprietary data-driven waterfall strategy.
• Receivables Management Association International (RMAI)coreOthersIndustry trade association providing certification (CRB), standards for best practices, networking, and educational opportunities. NDH has been an RMAI member since 2012 and maintains Certified Receivables Business status.
• ACA InternationalminorOthersMembership organization for receivables management industry providing education, training, and information access.
• Receivables InfominorOthersPartnership for consumer education content (Money Chat series) and business directory listing. NDH sponsors consumer-focused financial literacy content.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Emerging players

• IC System: Family-owned receivables management firm providing debt collection and recovery services; adjacent competitor with master servicing and creditor-side capabilities similar to NDH's offering.
• Convergent (Convergent Outsourcing): Receivables management and contact center services provider offering first-party and third-party collections; overlaps with NDH's master servicing function and could compete for master servicing mandates from creditors.
• MRS BPO: Receivables management and back-office services firm offering third-party debt collection and creditor services; comparable service profile to NDH's master servicing and creditor-facing operations.

Broad incumbents

• Encore Capital Group: Public global debt buyer (ECPG) acquiring charged-off consumer receivables across credit cards, auto, and telecom; directly comparable business model to NDH but at materially greater scale and with international operations.
• PRA Group: Public debt buyer (PRAA) purchasing portfolios of defaulted nonperforming receivables from banks and consumer lenders; operates forward flow programs comparable to NDH's, but at substantially larger scale.

Direct peers

• Cavalry Portfolio Services: Privately held debt buyer specializing in charged-off consumer receivables across credit cards and installment loans; closely comparable mid-market competitor to NDH with similar portfolio acquisition model and servicer network approach.
• Jefferson Capital Systems: Private debt buyer (GTCR-backed) purchasing charged-off credit card, consumer, and deficiency portfolios; comparable buyer of non-performing consumer receivables with similar customer base of banks, credit unions, and fintech originators.
• Sherman Financial Group: Private debt buyer focused on credit card and consumer receivables, with master servicing capabilities through affiliated agencies; directly comparable end-to-end buyer-plus-servicer model to NDH.
• Resurgent Capital Partners (LVNV Funding): Private debt buyer (LVNV Funding and Resurgent Holdings) acquiring and servicing charged-off consumer receivables; comparable vertical of portfolio acquisition with a portfolio servicing overlay similar to NDH.
• Asta Funding: Historically a public, now privately held consumer debt buyer purchasing charged-off portfolios; comparable niche buyer competing with NDH for bankruptcy and consumer receivable portfolios.

Market position

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCGRjy-zLtpinupgo7nwQNxA
• Facebookfacebook.com/Nationaldebtholdings305
• LinkedInlinkedin.com/company/national-debt-holdings-llc
• Xx.com/ndh_debt

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about National Debt Holdings