Turn Your Charged-Off Debt Into Immediate Capital

Zyra Financial purchases consumer and commercial debt portfolios at competitive prices. Get a firm offer in as little as 72 hours and close in as few as 5 business days.

Zyra Financial (sellmydebtportfolio.com) is a direct buyer of charged-off debt portfolios serving the entire United States. We are not a broker — we purchase debt with our own capital.

We buy credit card, auto deficiency, commercial, telecom, fintech/personal loan, and government/municipal debt portfolios ranging from $50,000 to over $50 million. We do not purchase healthcare or medical debt.

We provide competitive, data-driven offers in as little as 72 hours and close transactions in as few as 5 business days. We have purchased over $500 million in debt across more than 200 portfolio transactions.

Banks, credit unions, auto lenders, fintech companies, telecom providers, and government agencies sell their non-performing receivables to us.

Debt Types We Purchase: Credit Card debt (revolving credit and retail charge-offs), Auto Deficiency (post-repossession deficiency balances), Commercial (B2B and small business obligations), Telecom (wireless, cable, and utility accounts), Fintech / Personal Loans (online lending and installment loans), Government & Municipal (government-backed and municipal receivables).

How It Works: Step 1 - Submit your portfolio details using our simple form. Step 2 - A member of our team reaches out to learn more about your portfolio and gather any additional details. Step 3 - Receive a competitive, data-driven offer and accept, negotiate, or decline. We handle fast closings with funds wired directly to you.

Why Sellers Choose Zyra Financial: Competitive Pricing through deep analytics, 72-Hour Offers with no-obligation firm pricing, Fully Compliant with highest regulatory standards, All Portfolio Sizes from $50K to $50M+.

Trusted by financial institutions nationwide. Over $500M+ in debt purchased, offers in as little as 72 hours, 98% client satisfaction rate.