Judgments · Claims · Distressed commercial credit
A direct buyer of judgments and distressed commercial credit.
Willis Credit Partners purchases commercial judgments, bankruptcy estate claims, and charged-off loans, including the files others consider too difficult to collect. We price quickly, close cleanly, and handle every account with discretion.
What we buy
Commercial paper with a path to recovery, even when that path isn't obvious.
Judgments
Commercial judgments of any age with enforceable time remaining, including judgments against debtors with complex holdings.
Bankruptcy estate claims
Judgments, claims, and litigation rights held by Chapter 7 estates that trustees want to monetize or close out.
Charged-off commercial loans
Single loans and small pools from banks, credit unions, lessors, and specialty lenders, with or without guaranties.
Secured notes
Non-performing notes secured by real estate or business collateral, including files with title or lien-priority questions.
How we work
A simple process for sellers.
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Share the basics
Send the case number, the judgment or loan documents, and the current balance. A copy of the docket is often enough to start.
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Receive a written offer
We review the file and respond with a clear offer and proposed terms. No obligation, and no cost to you for the review.
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Close and transfer
We document the purchase with a standard assignment and handle the filings needed to substitute in as owner. Court approval is coordinated where required.
Deal structures
Terms that fit the seller.
Every file is different. We structure each purchase around what matters most to the seller: certainty today, upside later, or both.
Cash purchase
A fixed price paid at closing. The seller is fully out, with no further cost or involvement.
Share of recoveries
The seller keeps a percentage of what is ultimately collected, while we fund and manage enforcement. Well suited to bankruptcy estates.
Hybrid
Cash at closing plus a share of future recoveries above an agreed threshold.
Who we work with
Bankruptcy trustees
Monetize estate judgments and claims without spending estate funds on collection.
Banks and credit unions
Clear charged-off commercial accounts from special assets and recover value from written-off balances.
Loan sale advisors
A responsive bidder for single assets and small commercial pools.
Attorneys and their clients
An exit for clients holding judgments they no longer want to pursue.
Contact
Have a file to sell?
Tell us a little about it and we'll follow up with next steps. All inquiries are kept confidential.