# Tribute Capital Partners

> Tribute Capital Partners services, values, and buys consumer receivables for lenders, creditors, and their advisors: performing, distressed, and in bankruptcy. Bankruptcy receivables servicing, portfolio sales & acquisitions, and bankruptcy operations & strategy.

## What We Do
- [Bankruptcy Receivables Servicing](https://tributecap.com/services/bankruptcy-receivables-servicing/): We work the bankruptcy accounts your team can’t: proof of claim, trustee payments, Chapter 13 monitoring, discharge. You keep the loans and the recoveries.
- [Bankruptcy Receivables Valuation](https://tributecap.com/services/bankruptcy-receivables-valuation/): An analyst-prepared, account-level expected-recovery valuation of your consumer bankruptcy receivables, as support for your CECL allowance and the hold-or-sell decision.
- [Bankruptcy Operations & Strategy](https://tributecap.com/services/bankruptcy-operations-strategy/): We help creditors design the bankruptcy operation: workflow, technology, controls, vendors, reporting, and recovery strategy. Then we build it, improve it, or run it for you.
- [Portfolio Sales & Acquisitions](https://tributecap.com/services/portfolio-sales-acquisitions/): Turn loan portfolios into liquidity. Sell directly to Tribute, or run a competitive sale to our institutional buyer network, one-time or forward-flow.

## Who We Serve
- [Credit Unions](https://tributecap.com/who-we-serve/credit-unions/): Bankruptcy servicing and portfolio work built for the NCUA rulebook and the credit-union balance sheet.
- [BHPH Dealers](https://tributecap.com/who-we-serve/buy-here-pay-here/): Turn the BHPH loans you’re done holding into cash: performing loans, Chapter 13 bankruptcies, and charge-offs, structured around what you need.
- [Banks](https://tributecap.com/who-we-serve/banks/): Portfolio sales and bankruptcy servicing for community and regional banks.
- [Specialty Finance](https://tributecap.com/who-we-serve/specialty-finance/): Sell a consumer receivables portfolio for cash: one transaction or a standing forward-flow outlet, open to any creditor holding consumer receivables, with bankruptcy accounts priced in rather than carved out.
- [Counsel & Advisors](https://tributecap.com/who-we-serve/workout-counsel-advisors/): A documented valuation, interim servicing, and a buyer of record for restructuring counsel, receivers, assignees, and trustees holding consumer receivables.

## The Paper Trail
- [The Succession Squeeze](https://tributecap.com/paper-trail/2026-08-the-succession-squeeze/): A credit squeeze is pushing buy-here-pay-here operators toward the exit just as the natural buyers — the long-time employee, the dealer two blocks over — can't get the financing to take over. Two jaws of the same vise, with demographics only the tailwind. Here are the four ways out.
- [Two Turns and Out: How Disposable Cars Are Driving the Voluntary Surrender Wave](https://tributecap.com/paper-trail/2026-05-two-turns-and-out/): Mechanical breakdown has overtaken job loss as the number-one reason borrowers hand back the keys — the first time in at least a decade. The car is breaking faster than the loan, and the old buy-here-pay-here math of turning a unit until the wheels fall off is finished.
- [Bolted to the Roof: How Solar Loans Became the Industry's Most Expensive Problem](https://tributecap.com/paper-trail/2026-04-bolted-to-the-roof/): If you're holding solar loans right now — whether you're a credit union, a bank, or a specialty lender — you already know something is wrong. The calls are coming in. The disputes are stacking up. And the math that made these deals work on origination day doesn't pencil anymore.
- [The Squeeze Is Real: Why Subprime Auto Is Getting Hit from Every Direction](https://tributecap.com/paper-trail/2026-03-the-squeeze-is-real/): If you're in the subprime auto ecosystem right now — whether you're originating, servicing, buying paper, or running a lot — you already feel it. The macro picture is rough. But what's different about this cycle is how many pressures are converging at once. This isn't one problem. It's five of them stacked on top of each other.

## Insights
- [Getting Full Value for Your BHPH Charge-Offs](https://tributecap.com/insights/maximize-bhph-charge-off-value/): Many BHPH dealers don't know their charge-offs can be sold at all — and what a buyer will pay is often determined months or years before the dealer ever decides to sell. Here's the four-step repo closeout that preserves value, from the team that buys these receivables.
- [Chapter 7 Servicing for Credit Unions](https://tributecap.com/insights/chapter-7-servicing-for-credit-unions/): Most consumer filings are Chapter 7, and NCUA still directs charge-off within 60 days. There's no plan to monitor — instead a short, event-driven window where the member's intentions, reaffirmation, redemption, surrender, and recovery all have to be worked before the case closes. Here's the work.
- [Bankruptcy Court Fees: The 2023 Miscellaneous Fee Schedule Explained](https://tributecap.com/insights/bankruptcy-court-fees-explained/): Bankruptcy court fees are set nationally under 28 U.S.C. § 1930 and are the same in every district. Here's the current schedule — filing fees, motion fees, conversion fees, and records charges — with a note on which ones a creditor working a portfolio actually pays.
- [When to Service vs. Sell a Bankruptcy Portfolio](https://tributecap.com/insights/when-to-service-vs-sell-a-bankruptcy-book/): The hold-or-sell call on a bankruptcy portfolio isn't about how distressed it looks — it's about what it will actually recover, serviced to completion, versus what it will fetch sold today. Here's how to run that comparison.
- [Chapter 13 Servicing for Credit Unions](https://tributecap.com/insights/chapter-13-servicing-for-credit-unions/): NCUA directs a credit union to charge off a loan in bankruptcy within 60 days — but a Chapter 13 plan repays over three to five years. Recovering that gap takes claim filing, trustee reconciliation, and plan monitoring most credit unions aren't staffed to do. Here's what the work involves.