HFII is a company which purchases charged-off debt portfolios nationwide from most large institutions. HFII operates out of one centralized location -- our home office in Houston, Texas.

As owner of the accounts, HFII attempts to motivate the account holder to commit to a payment arrangement by offering certain incentives to achieve a satisfactory settlement for both HFII and the debtor.

HFII has a proven track record of 14 years in the debt buying industry. HFII has established long standing relationships with many of the nation's larger institutions. HFII does not broker, nor do third party collections.

The growth that HFII has achieved since their first package purchased in 1994 is a testament to the financial institutions that they are a credible and recognizable force with in the Industry. In their first year of participation, HF's first package had a face value of $75,000. Since that purchase, HFII has purchased hundreds of million dollars in charged off debt.

HFII is an active member of the DBA (Debt Buyers Association), the ACA (American Collectors Association) and the Better Business Bureau.