 This information protects consumers and is necessary to prove in court that the debtor owes the money and that the debt buyer owns the account.Most of the major banks that sell all or a portion of their charged-off assets sell their accounts to a small selection of pre-approved buyers who purchase using a vehicle known as a "Forward Flow Agreement".A forward flow is an agreement between a debt buyer and debt seller to transact a fixed amount of debt over a fixed period of time for a predetermined price.