Debt sales. Built on relationships. Scaled through technology.

A corporate matchmaker and business concierge for ARM.

SAM connects sellers who hold distressed assets with the buyers best suited to recover them, matches clients with the right vendors across all industries and outsourcing needs, and provides end-to-end solutions for both sides. One platform. Two sides. Zero friction between them.

Not a broker who exits at closing — a partner embedded across the full lifecycle.

A corporate matchmaker and business concierge

Not just a vendor relationship — strategic infrastructure.

SAM — Solutions for Account Management
  • Trusted Infrastructure PartnerEnd-to-end operational support across the full debt sale lifecycle.
  • Compliance & Workflow EngineAudit-ready processes built to meet rising regulatory expectations.
  • Transaction FacilitatorStructured, competitive, and transparent distressed asset execution.
  • Modern Platform CompanyProprietary technology (DebtSales360) modernizing the ARM industry.
  • Core services

    What SAM does, end to end

    Debt Sale Brokerage

    End-to-end management from pre-sale to post-sale.

    Portfolio Valuation

    Assess portfolios to determine optimal sell-vs-recover strategy — performing and charged-off, secured and unsecured.

    Buyer Vetting

    Full due diligence on every buyer in the network.

    Customized Offerings

    Creative bid submissions with multiple pricing scenarios.

    Corporate Matchmaking

    Matching clients with the right vendors across all industries and outsourcing needs.

    Forward Flow & Bulk / Warehouse

    Monthly/quarterly forward-flow sales and one-time bulk or warehouse sales of aged receivables.

    Specialty Recovery

    Bankruptcy, settlement, C&D, deceased, judgments, B2B, micro-balance.

    Post-Sale Management

    Coordination through the DebtSales360 portal.

    Over two decades built the relationships. DebtSales360 scales them.

    The Evolution of SAM

    From ‘Corporate Matchmaker’ to “Debt Sales Management” Platform Company

    1. Founded

      Brenda Meli founded SAM to solve a persistent problem: navigating a fragmented ARM and receivables ecosystem required trust, intelligence, and relationships that most organizations lacked.

      2004
    2. Expansion

      Lauren McIlroy’s deep background in asset sales and operational strategy drove SAM’s expansion into structured debt sale brokerage adding compliance frameworks, buyer vetting, and portfolio analytics.

      2015
    3. The Platform

      SAM’s custom-built, proprietary debt sale platform, DebtSales360 — from idea to reality

      SAM decided in early 2020 that a platform was necessary due to market demand and the need for operational experience.

      SAM built a proprietary platform from the ground up to reflect our processes and provide the functionality sellers and buyers need from pre-sale through post-sale.

      2020
    4. Industry Leader

      SAM became one of the leading RMAi-certified debt brokers in the US & Canada, managing over $4B in annual sales volume with a technology platform built for enterprise scale.

      2024
    Credentials & certifications

    Proof points, not promises

    The certifications, leadership, and documented standards that enterprise organizations verify before they engage.

    RMAI Certified Broker

    Certified since 2020 and maintained through annual review — the receivables industry’s benchmark for ethical, compliant brokerage.

    SOC 2 Type II

    Independently audited annually — security, availability, and confidentiality controls validated by a recognized framework.

    Certified Compliance Leadership

    A dedicated Compliance function led by a Chief Compliance Officer and a Certified Receivables Compliance Professional (CRCP).

    250+ Pages of Documented Standards

    Policies, procedures, and standards covering data security, IT, vendor management, employee ethics, and operational controls — reinforced through team training and updated continuously.

    Annual Security Program

    Annual penetration testing, weekly vulnerability scanning, cybersecurity training, and multi-factor authentication across the platform.

    North American Market Leader

    A leading debt sale broker in the United States and Canada, providing sellers access to qualified purchasers across North America.

    Your dedicated SAM team

    The SAM Squad

    Dedicated resources embedded in every transaction — not a point-in-time check. The SAM Squad manages every detail — from compliance, pre-sale through post-sale, and everything in between — on your behalf.

    The SAM Squad — 22 years of excellence in accounts receivable management solutions, woman owned and operated.
    RMAi 2023 — 2026

    The SAM Squad Through The Years

    Same team, new booth every year.

    A few of the booths we’ve built, year after year.

    What guides us

    Tradition. Transparency. Trust.

    We’re reshaping the future of defaulted-debt management through innovation, collaboration, and dedication to excellence — enhancing the lives of everyone in receivables management.

    Tradition

    Ethics and values at the core — over two decades of doing right by sellers, buyers, and consumers.

    Transparency

    Transparent bidding, distributed Q&A, and documents one click away — no black boxes.

    Trust

    Compliance, certified buyers, and a process you can verify — trust is engineered into every step.

    Built on relationships. Scaled through technology.

    Let’s build the future of distressed asset management together.

    Two decades of deep industry expertise, rigorous compliance standards, and a proprietary technology platform.