Professional acquisition of charged-off and non-performing consumer receivables.
We are not a collection agency
About Us
Lowcountry Portfolio Group is an independent buyer of charged-off and non-performing consumer receivables. We acquire portfolios directly from lenders, financial institutions, and nationally recognized creditors
Our role is simple:
-We purchase distressed consumer debt
-We place accounts with licensed third-party collection agencies
-We manage portfolios ethically, compliantly, and professionally
We are not a collection agency. We do not engage directly with consumers. All servicing is performed through licensed partners.
What We Buy
Lowcountry Debt Portfolio Group acquires a range of charged-off and non-performing consumer receivab
We Purchase:
-Charged-off credit card portfolios
-Non-performing installement loans
-Auto loan deficiencies
-Buy now and pay later (BNPL) accounts
-Marketplace lending portfolios
-Telecom and utility receivables
-Retail point-of-sale financing
Our focus
Our focus is on transparent, fair, and efficient transactions with lenders looking to divest distressed assets. All servicing is performed exclusively through licensed third-party agencies.
We are not a collection agency and we do not contact consumers directly.
Our Acquisition & Servicing Process
Initial Conversation & NDA
We start with a brief call or email to understand the type of portfolio you are holding-product, geography, age, and volume. When appropriate, we execute a mutual NDA so you can share sample data securely.
Secure data review - You provide a sample file and basic performance history (if available). We review age, balances, documentation, prior collection efforts, and any compliance notes. Our goal is to understand risk and realistic liquidation potential.
Pricing and offer - Based on the data and documentation, we develop a purchase price that reflects current market conditions and the quality of the file. We present a clear, simple offer with straight forward terms and expected closing timing.
Placement with Licensed Servicers - After purchase, we place accounts with licensed third-party collection agencies and servicers. All consumer contact is handled exclusively by those agencies in compliance with FDCPA, CFPB guidance, and applicable state laws.
Long-term relationship - We aim to become a consistent buyer for your organization - providing a reliable outlet for charged-off and non-performing accounts, so you can keep your balance sheet clean, and your team focused on core business.
We do not collect debts on behalf of other companies. We exclusively acquire portfolios and manage them as investment assets.
Compliance Statement
Compliance and Regulatory Information
Lowcountry Debt Portfolio Group operates as a purchaser and manager of charged-off and non-performing consumer receivables.
We do not engage in collection activity, do not contact consumers, and do not collect debts on behalf of any creditor.
All consumer account servicing is performed exclusively by licensed third-party collection agencies and servicers in accordance with all applicable federal and state laws.
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We Are Not a Collection Agency
Lowcountry Debt Portfolio Group does not collect, attempt to collect, or recover debt directly from consumers.
We acquire receivables solely as investment assets and place them with qualified, licensed agencies for servicing.
If you are a consumer seeking assistance with an account, please contact the collection agency that is servicing your account.
We cannot assist with consumer-related inquiries.
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Fair Debt Collection Practices Act (FDCPA)
All servicing partners contracted by Lowcountry Debt Portfolio Group must comply fully with the Fair Debt Collection Practices Act (FDCPA) and all applicable state collection laws, including:
• Providing validation notices when required
• Restricting consumer contact practices
• Maintaining accurate records
• Complying with cease-communication and dispute requests
We monitor third-party agencies to help ensure alignment with federal and state requirements.
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CFPB & UDAAP Compliance
Our third-party servicers are required to maintain policies that prevent:
• Unfair acts
• Deceptive practices
• Abusive conduct
We do not work with any servicer or affiliate that has a history of regulatory violations or enforcement actions.
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Data Security & Privacy
We maintain strict controls for receiving, transferring, storing, and managing consumer data.
This includes:
• Secure file transfer protocols (SFTP)
• Encrypted storage
• Restricted access permissions
• Vendor risk assessments
• Secure destruction of data upon request or portfolio closeout
We comply with all applicable privacy regulations, including GLBA guidelines for financial information.
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Licensed Third-Party Agencies Only
All servicing, consumer communication, and collection activity is handled by licensed agencies who:
• Maintain required state collection licenses
• Follow federal compliance standards
• Provide regular reporting and audit transparency
Lowcountry Debt Portfolio Group does not employ any in-house collectors.
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State Notices
Lowcountry Debt Portfolio Group is not a collection agency and does not require state collection licenses.
Any collection-related activity on behalf of purchased accounts is conducted by appropriately licensed third-party agencies.
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Consumer Contact
If you are a consumer and wish to inquire about an account, please contact the collection agency handling your file.
We do not service consumer accounts directly and cannot discuss account information.
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Compliance Inquiries
For creditor or compliance-department inquiries:
compliance@lowcountryportfoliogroup.com
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Lowcountry Debt Portfolio Group purchases receivables as investment assets only. We do not collect debts from consumers