collections Agency and Debt Recovery services


Professional debt collection services for Panama City and Tallahassee including cities in Bay, Gulf, Jackson, Washington, and Leon counties, as well as the Wiregrass areas of Dothan and Enterprise Alabama. 


No Exclusive Annual Debt Collection Contracts

Our debt collection program is set up on a per-account basis. Unlike many, we do not require you to lock yourself into a binding annual contract, require you to submit all your accounts to us at a certain age, or even commit to sending them all to us exclusively. When you have an account or accounts that you are ready to place for collection, simply send them to us. We will earn your loyalty through our performance, not through a contract.


Immediate Phone and Letter Contact

When we receive your account we begin immediately to collect your money. We use a proven combination of letter and phone communications designed to persuade your debtor to honor their obligation. Our communications are always in accordance with the Fair Debt Collection Practices Act. We begin our collection efforts immediately and make sure to be in-touch with your debtor within 24 hours of receiving the account.


Highest Debt Recovery Rate

We have found that a straightforward, professional approach to debt collection produces far better debt recovery results than the traditional strong-arm tactics. The unique approach and strategy used by our debt collection negotiators produces quicker payment from your debtors.


Debt Collection Agency: No Advanced Fees or Sign Up Costs

We operate on a performance-only basis; when we perform, we get paid. Our motivation is to get your money back in your hands, where it belongs. We know that until we do so, we will not be paid. Accordingly, our motivation is propelled by mutual success and is result oriented.


Immediate Feedback On The Debt Recovery Process

We make sure our debt collectors have ample time in their scheduling to allow them the opportunity to go the extra mile and provide you with the personal touch needed to make our relationship work. We believe in getting feedback to you as quickly as possible. Instead of mailing you a form letter that generalizes a dispute your debtor may have with you, we call, fax and/or E-mail right away to detail the situation for you and receive your instructions. This immediate feedback is not only informative, but it is essential to collecting your debt. We have learned the importance of quick and decisive action. The quicker we respond, the better our chances of recovery.


Personalized, Courteous & Prompt Service  

We enjoy knowing the clients we represent. The way to do that is speak with you often and collect your money. We do all the right things to maintain your loyalty. We maintain your loyalty by offering effective, personalized, courteous and prompt service.



Our collection agency's debt collection record is among the highest in the industry.


For more information contact us at 850-785-0088.




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Emerald Coast Collections provides effective debt recovery and collection services and is based in Chipley, FL.



Emerald Coast Collections

1213 Main Street

Chipley, FL 32428

850-676-4405 office

850-481-1708 fax



P.O. Box 888

Chipley, FL 32428

- OR -

P.O. Box 1250
Panama City, FL 32402







Emerald Coast Collections  ©  2022


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