Atlantic Credit & Finance purchases and manages unsecured, consumer-distressed assets. It manages more than $5 billion. Founded in 1995, the company has grown by helping debt sellers realize the benefits of selling their asset portfolios and working with individual consumers to customize ways to repay their debt. Atlantic Credit & Finance is a privately held business that employs more than 400 people in offices in Roanoke and Richmond, Va.; Columbia, Md.; and Phoenix. It manages nearly 1 million consumer accounts. The company has purchased all types of unsecured, consumer-distressed assets and has used its due diligence expertise to help ensure credit issuers receive fair value for their defaulted debt. The company headquarters is in Roanoke.