PVL analyzes real trustee payment histories and court docket activity to project exact cashflows, dismissal risks, and priority positioning — so you never overpay for a dying claim.
Every account the seller marks "Active — Current" gets a second look. We pull actual trustee payment histories and court docket filings to expose the gaps between the tape and reality.
| Account ID | Seller Status | PVL Reality | Seller Est. NPV | PVL NPV | Discrepancy |
|---|---|---|---|---|---|
| ATLN-2211324 | Active — Current | 3 Missed Payments | $4,280 | $1,140 | −$3,140 |
| DALL-219237 | Active — Performing | Silent Default | $4,920 | $0 | −$4,920 |
| ALBQ-2310446 | Active — Current | Cramdown Filed | $3,580 | $890 | −$2,690 |
| HOUS-247452 | Active — Current | Mortgage Wipeout | $2,885 | $310 | −$2,575 |
| PHOE-1847532 | Active — Current | On Track | $2,730 | $2,920 | +$190 |
| SEAW-2401965 | Active — Current | On Track | $2,140 | $2,340 | +$200 |
We use actual trustee payment histories and court docket filings to find every gap between what's promised and what's real.
Sellers mark cases "Active" — but what are the actual odds it completes? We use real court docket filings and dismissal motions to calculate exact survival probabilities by district and case age. You see the true likelihood of payout, not wishful thinking.
Attorney fees and secured claims — especially mortgages — eat cash before your unsecured claim sees a dollar. We track exactly how much is consumed by senior priorities so you know when your claims will actually start paying, if ever.
A case can be technically "Active" for months after payments stop. We compare actual trustee disbursements against plan obligations in real time. If a debtor is going dark, you'll know before the docket does — and before you pay full price for a ghost claim.
Drop in the seller's file — however messy it is. We return a pristine valuation package with every claim scored, every discrepancy flagged, and every number your team needs to defend the bid.
No black boxes. You get the raw trustee data, the model outputs, and the discrepancy flags — everything your IC needs to sign off on the bid.
A single "ghost claim" can wipe out the margin of ten performing ones. We calculate the mathematical distance between the seller's tape and the trustee's reality.
(Seller's Tape Value) - (PVL's Reality Check) = Your Capital Saved
If PVL flags just one $8,000 silent default per month, the platform has already paid for itself. Most clients find $50k+ in ghost value per tape.
Every tier receives the Complete Valuation Package. You only pay for the number of claims you need to underwrite each month.
| Underwriting Capability | Foundation | Velocity | Backtesting Add-On |
|---|---|---|---|
| Standard in All Valuations | |||
| Trustee Ledger Reconciliation (Real vs. Tape) | — | ||
| Ch 7 Conversion & Dismissal Probabilities | — | ||
| Cramdown & Priority Waterfall Analysis | — | ||
| Performance & Audit | |||
| Actual vs. Projected Variance Reporting | — | — | |
| Historical Recovery Backtesting | — | — | |
Send us your next tape. We'll run the entire portfolio against trustee-verified payment data and hand you the top 100 most dangerous discrepancies. If PVL doesn't change your bid, you've lost $500. If it does, you just saved multiples of that.