William R. Bartmann

WILLIAM R. BARTMANN, 49, has built an unusual but lucrative financial empire. Since the onetime oil-field supplier started privately held Commercial Financial Services in 1986, it has become the largest buyer of delinquent credit-card accounts written off by banks. Tulsa-based CFS makes money by buying bad debt at 10% of face value, then politely but firmly collecting 30%. Earnings should hit $190 million for 1997, up 140%.

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