American Financial Credit Services (AFCS) provides government bad debt receivable management solutions, specializing in delinquent personal property tax recovery. They serve 185 counties across eight states, offering services like erroneous tax assessment resolution and customized tax debt recovery solutions at no cost to government partners[1][3]. Their target audience includes local governmental entities. AFCS's unique selling proposition is its cost-free model for government partners, combined with a focus on ethical and effective debt recovery while respecting taxpayers[2][3].