EXHIBIT 32.2


                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

     In connection with the Quarterly Report of Asta Funding, Inc. (the
"Company") on Form 10-Q for the quarter ended December 31, 2004, filed with the
Securities and Exchange Commission (the "Report"), I, Mitchell Herman, Chief
Financial Officer of the Company, certify, pursuant to 18 U.S.C. Section 1350,
as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

     (1) The Report fully complies with the requirements of Section 13(a) of the
         Securities Exchange Act of 1934; and

     (2) The information contained in the Report fairly presents, in all
         material respects, the consolidated financial condition of the Company
         as of the dates presented and the consolidated result of operations of
         the Company for the periods presented.

Dated: February 9, 2005


                                          /s/ Mitchell Cohen
                                          -------------------
                                          Mitchell Cohen
                                          Chief Financial Officer


The foregoing certification is being furnished solely pursuant to Section 906 of
the Sarbanes-Oxley Act of 2002 (subsections (a) and (b) of Section 1350, Chapter
63 of Title 18, United States Code) and is not being filed as part of the Form
10-Q or as a separate disclosure document.

A signed original of this written statement required by Section 906 has been
provided to Asta Funding, Inc. and will be retained by Asta Funding, Inc. and
furnished to the Securities and Exchange Commission or its staff upon request.