ABOUT US > Overview

CAPITAL was organized in 2007 by Chris Murphy, a 15 year veteran of the Accounts Receivables Management industry. Chris understood that small balance accounts were receiving scant attention as both creditors and agencies focused on larger balance accounts. He recognized that segregating out the smaller accounts would improve the value of both the smaller accounts and the larger accounts. The agencies receiving the larger accounts would no longer be burdened with the thousands of small balance accounts that make up most portfolios. And the small balance accounts could be worked with a strategy appropriate for their economics.

Prior to founding CAPITAL, Chris held a variety of business development and operations responsibilities in the industry. His clients have included DirecTV, Liberty Mutual, Waste Management, Wachovia, Cingular and many others. Most recently he built debt purchasing units from scratch for two large acounts receivable management companies.

Chris, a graduate of California State University, Northridge, is actively involved in the industry, participating in a many industry events and advocating for innovative approaches to debt collection and management.

CAPITAL is a member of ACA International and the Debt Buyers Association.

Case Study

A debt buyer found itself burdened with the mundane details of portfolio management ... [more]

Case Study

A prominent landline telecom provider was challenged with how to sustain their sale price in a declining market ... [more]

Case Study

An established collection agency wishing to set up a debt buying operation ... [more]

“A little number times a big number is always a big number.”

— Former CitiGroup chairman Walter Wriston