Debt purchasing, reimagined

We buy your debt.
Then we make it affordable.

ClearPath Capital purchases consumer debt at a discount and restructures it into payment plans people can actually manage. Same debt. Lower payments. No harassment.

$4.9T
U.S. consumer debt
(non-housing)
3–10¢
What debt sells for
on the dollar
40–70%
Typical savings for
borrowers we serve
How it works

From charged-off to cleared. Three steps.

01

We acquire the debt

We purchase portfolios of charged-off consumer debt from banks, credit unions, and medical providers at a fraction of face value.

02

We restructure the terms

Using data-driven modeling, we create new payment plans based on what borrowers can realistically afford, not what maximizes extraction.

03

You pay less, we both win

Borrowers get significantly lower payments and a clear path to being debt-free. We earn a return because we bought the debt at a discount.

The difference

Not another debt collector.

Traditional Debt Buyers
  • Buy debt to maximize collections at any cost
  • Aggressive calls, threats, and lawsuits
  • No transparency on what they paid
  • Consumers treated as problems to squeeze
  • $60M+ in CFPB fines across top players
ClearPath Capital
  • Buy debt to create payment plans that work
  • Direct outreach with clear, honest terms
  • Full transparency on restructured amounts
  • Consumers treated as people finding a way forward
  • Built on compliance and consumer rights from day one

Debt doesn't have to be a dead end.

ClearPath Capital is building a new model for consumer debt, one where buying distressed portfolios and treating people fairly aren't mutually exclusive. Starting in Houston. Growing from here.