Charge-off Clearinghouse purchases large packages of charged-off, unsecured consumer debt from lenders, issuers, and other big industry players.  Then they cleanse the accounts of deceased debtors and bankruptcies and sell them. They're not a collection agency. They're not collection attorneys. Providing charge-offs to professionals like you is their only business.  Customizing portfolios to meet their clients' requirements is their speciality.