Since its inception in 1993, SMS Financial, LLC has been specializing in the acquisition and collection of assets. Located in Phoenix, Ariz., the firm acquires, as well as recovers debt instruments, such as lines of credit, commercial loans, judgments, real estate secured assets and bankruptcy creditor claims. It has acquired assets from several major financial institutions/government entities, including Citizens Bank, Homecomings RFC, JPMorgan Chase, Wells Fargo Bank and Unifund, among others. The firm is a member of Turnaround Management Association, ACA International, DBA International.