Michael Flock is a seasoned entrepreneur with over three decades of experience in the credit, collections, and debt buying industries. Following roles at IBM and AT&T, he joined Dun & Bradstreet where he quickly advanced to become President of Receivables Management Services (RMS) in North America, driving significant growth and profitability. He was subsequently promoted to President of the credit and collection business across multiple regions including Canada, Asia-Pacific, and Latin America.

In 2001, Michael founded the original FLOCK Advisors, an M&A firm focused on the middle market of the collections industry, completing many successful transactions. In 2008, he started the Falcon Fund with $15 million, focusing on lending to debt buyers, and sold it in 2013 when he founded FLOCK Specialty Finance. The firm has since provided innovative funding solutions for the charged-off consumer debt buying industry and other sectors, deploying over $500 million across more than 1,600 debt portfolios.

After the recapitalization of FLOCK in 2024, Michael became Non-Executive Chairman and relaunched Flock Advisors. He holds a BA in history from the University of Virginia, an MBA in finance from Fordham University, and studied international relations at the Institute of Political Science in Paris.