AFM is one of the world’s leading international debt collection firms. We are a third-generation family business located in Chicago and our Attorney Intervention Collection Program differentiates us from other collection vendors. Specifically, from the very first day that we receive an account for collection, an in-house AFM Attorney will attempt to collect our clients' assigned receivables, in a pre-litigation capacity, on a contingency fee basis. There are no hourly rates of flat fees. Rather, we only earn a fee when we collect the monies owed to our clients. We also offer the following services: customized First-Party Outsourcing Programs, a 30-day Free Demand Letter Series Program, Litigation Support, Free Credit Reporting and Experian Business Services. At AFM we strive to provide a customer thrill experience. We want our clients to truly feel that AFM is a key advisor, an extension of their processes, that performs stellar, value-added services with integrity and in a credible and authentic manner. We put procedures in place to revolve around our customers. At the onset of our relationship with a new client, we do not fit the new client into a current model or standardized process. Rather, after we learn the client's requirements, desired and goals, we create a customized collection program and incentivize our employees accordingly. AFM's HEART, or Core Values, are Honesty & Integrity, Empower, AFM Client Focus, Respect and Teamwork. Our entire company created the traits that define our core values. This is AFM’s Heartbeat. Every decision we make, regardless of whether it is with a co-worker, a client, or when employees are by themselves when nobody is watching, is based on our core values and the traits that define each value.