AFSA OUTSOURCING EXTRAJUDICIAL

What AFSA OUTSOURCING EXTRAJUDICIAL does

AFSA OUTSOURCING EXTRAJUDICIAL is an Argentine B2B professional services firm specializing in extrajudicial credit and collections management. Founded in approximately 1994 and headquartered at Av. 24 de Septiembre 675 in San Miguel de Tucumán, the company reports 30 years of operation, 100 enterprise clients, and a cumulative 10 million delinquent credits managed. Its target clients are large credit originators in Argentina — including banks, financial companies, public service utilities, mobile telephony providers, and large retail and supermarket chains — for whom AFSA recovers non-performing retail and consumer credit portfolios through both early-stage and late-stage collection strategies, as well as a customer service / operational efficiency module.

The company's service portfolio is structured around three modules: Recupero de Carteras en Mora Temprana (early-stage collections using segmentation and contactability methods), Recupero de Carteras en Mora Tardía (late-stage case-by-case recovery), and Customer Service (integration of processes, services and technology to improve operational efficiency). The firm describes its tooling only at a generic level — no proprietary platform, AI system, or specific technology stack is disclosed in source material. AFSA operates with an in-house team of lawyers and collection agents, holds AAIP RNBD registration for personal data handling, and is a founding member of ASARCOB, the Argentine Association of Collection Companies and Legal Services.

AFSA generates revenue on a performance-based, contingency fee model typical of professional debt collection agencies, with fees contingent on successful recovery of assigned receivables. Pricing is negotiated individually with each enterprise client and is not publicly disclosed. Go-to-market is direct enterprise sales via the company's professional network, supported by a corporate website, phone contact center (0810-7777-328), email inquiries, and basic social media presence on Facebook and Instagram. The business is privately held, single-country (Argentina), and shows no disclosed funding, headcount, or revenue figures.

Name

AFSA OUTSOURCING EXTRAJUDICIAL

Legal name

AFSA

Website

https://afsa.com.ar

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1–10 employees

Short description

AFSA is an Argentina-based B2B extrajudicial debt collection firm serving banks, financial companies, utilities, telecoms, and large retailers with early- and late-stage credit recovery and customer service integration services.

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Collection Agencies (561440)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Order-to-Cash (O2C) Operations (Order Admin, Credit, Invoicing, Collections Handoff) (BPAAAGAK)

Keywords

• Debt collection services
• Credit recovery management
• Extrajudicial collection
• Delinquent portfolio recovery
• Professional debt recovery

Headquarters

HQ city

San Miguel de Tucumán

HQ country

Argentina

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Professional Debt Collection Services: AFSA generates revenue through professional debt recovery services for delinquent credit portfolios, operating on a performance-based model where fees are typically contingent upon successful recovery of defaulted credits.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

AFSA is a professional debt collection and credit recovery firm in Argentina that manages delinquent credit portfolios for enterprise clients. It offers late-stage portfolio recovery, early-stage collection with segmentation and contactability strategies, and an integrated customer service/process-and-technology solution to improve clients' operational efficiency in collections.

Product overview

AFSA OUTSOURCING EXTRAJUDICIAL is a single-service debt collection company offering three integrated professional debt recovery services: Recupero de Carteras en Mora Tardía (late-stage debt collection), Recupero de Carteras en Mora Temprana (early-stage debt collection), and Customer Service (operational efficiency integration). The three services function as interconnected modules within a unified professional debt management offering, enabling AFSA to handle the full lifecycle of delinquent credit accounts from early intervention through late-stage recovery, while also providing operational integration services to optimize client efficiency.

Differentiator

Problem solved

Functional benefit

Products and services

• Recupero de Carteras en Mora Tardía (Late-Stage Delinquent Portfolio Recovery)

Quantifiable outcome

• 10 million delinquent credits successfully managed
• +2 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• ASARCOB (Asociación Argentina de Empresas de Cobranzas y Servicios Jurídicos)coreOthersAFSA is a founding member of ASARCOB, the Argentine Association of Collection Companies and Legal Services. This industry association membership positions AFSA as a recognized leader in the debt collection sector and demonstrates commitment to industry standards and best practices in credit and collections management in Argentina.

Scale indicators4 records

Recent moves4 records

Expansion highlights3 records

Others

• Coface: Global trade credit insurance and receivables management provider. Comparable through the broader credit risk management ecosystem in which AFSA's banking and corporate clients operate, though its core is insurance rather than contingency-fee collections.

Broad incumbents

• Equifax: Global credit bureau and consumer credit information provider. Comparable through the broader credit-information ecosystem AFSA operates in, though Equifax focuses on data/analytics rather than active recovery services.
• PRA Group: Global debt buyer and collector operating across North America and Europe. Compares to AFSA through its core non-performing loan purchasing and outsourced collection activities, though at significantly larger scale and with ownership of debt portfolios.
• Experian: Global information services group with credit reporting, collections, and recovery analytics. Comparable through its activities serving banks, financial institutions, and retailers — overlapping segments with AFSA's client verticals.
• Teleperformance: Global leader in outsourced customer experience management, including debt collection and back-office credit operations. Comparable through BPO delivery model and enterprise client base, though collections are a small fraction of its broader portfolio.
• Encore Capital Group: Global debt recovery buyer and collector with operations across the US, Europe, and Latin America. Comparable through debt purchase and third-party collection services; broader geographic footprint and consumer-facing balance-sheet risks distinguish it.
• Concentrix: Global BPO and customer experience provider offering collections, recovery, and credit services alongside broader CX operations. Comparable through enterprise B2B debt collection delivery, at materially larger scale.
• TransUnion: Global credit bureau with collections, recovery, and decisioning services. Comparable through the consumer credit reporting and recovery adjacency AFSA participates in, with significantly broader information services portfolio.
• Intrum: Pan-European credit management and debt collection firm. Offers outsourced receivables management services similar to AFSA's offerings, but at much larger scale and with a listed-platform, pan-regional operating model.

Direct peers

• Convergent: US-based third-party debt collection and receivables management BPO operating in healthcare, government, and commercial verticals. Most direct comparable to AFSA in service model, contingent-fee recovery, and B2B enterprise orientation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/afsa-outsourcing-extrajudicial

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AFSA OUTSOURCING EXTRAJUDICIAL