Your Trusted Partner
in Debt Portfolio Acquisition and Management

National Debt Holdings, LLC is a debt buyer that helps creditors recover value
from non-performing accounts—ethically, compliantly, and professionally.

Your Trusted Partner
in Debt Portfolio Acquisition and Management

National Debt Holdings, LLC is a debt buyer that helps creditors recover value from non-performing accounts—ethically, compliantly, and professionally.

Share Your Experience

We invite you to share your experience working with our team. We take feedback from consumers seriously and will work hard to resolve your questions or concerns.

    Share Your Experience

    We invite you to share your experience working with our team. We take feedback from consumers seriously and will work hard to resolve your questions or concerns.

      Who We Are

      At National Debt Holdings, we understand the value of trust,  especially in the receivables management industry. As a passive debt buyer, we acquire charged-off accounts but do not engage in direct consumer collections. Instead, we work behind the scenes to ensure our partner agencies and law firms handle accounts in accordance with strict regulatory guidelines.

      We work with a range of creditors including national banks, credit unions, fintech lenders, and alternative financial institutions.

      Our team brings decades of combined experience in portfolio purchasing and relationship management. We are committed to conducting business with:

      Compliance

      Adherence to all state and federal regulations, including FDCPA and CFPB guidelines.

      Integrity

      Ethical portfolio acquisition and account management.

      Partnership

      Personalized support and long-term relationship building with our sellers.

      If You Believe You Have an Account With Us

      National Debt Holdings (NDH) does not contact consumers directly for payment. If you believe your account has been purchased by NDH, we encourage you to get in touch so we can verify whether your account is in our portfolio.
      Upon confirmation, we will direct you to the appropriate agency or law firm responsible for managing your account. Our commitment is to ensure that your questions are handled respectfully and in full compliance with industry regulations.

      What We Do
      for Creditors

      National Debt Holdings acquires non-performing consumer receivables across a wide spectrum of asset types. Our mission is to provide our seller partners with compliant, fair market offers and responsive support throughout every transaction.

      We offer both one-time portfolio acquisitions and forward flow arrangements tailored to your business goals. Our process is streamlined, transparent, and informed by decades of hands-on experience in the receivables industry.

      We purchase:

      Charged-off credit
      card accounts

      Fintech and marketplace
      lending portfolios

      Auto loan
      deficiencies

      Personal loans and
      installment accounts

      Retail and private
      label credit

      Our Commitment to Trust and Compliance

      Trust and compliance are at the heart of our operations. National Debt Holdings is proud to be affiliated with trusted organizations that support accountability, transparency, and ethical business practices, including:

      Frequently Asked Questions

      Have questions about how we operate? Our FAQ section is designed to provide quick, clear answers about our company, process, and industry role.

      What is a passive debt buyer?

      A passive debt buyer is a company that purchases portfolios of charged-off or non-performing consumer accounts, but does not engage in direct collection activity. Instead, passive buyers like National Debt Holdings partner with licensed third-party agencies and law firms to manage account servicing in compliance with regulatory standards.

      If you suspect that National Debt Holdings may have purchased your account, the best way to confirm is to contact us directly. We can verify whether the account is part of our portfolio and, if so, connect you with the appropriate account servicer responsible for managing it.

      You can reach us using the contact form on this website or by calling our main business line. We respond to inquiries during regular business hours and work to ensure all questions are handled promptly and professionally.

      Looking to Sell a Debt Portfolio?

      National Debt Holdings helps creditors recover value from charged-off accounts through fast, compliant, and stress-free transactions—no matter your portfolio size.