Creditors Bureau Associates

What Creditors Bureau Associates does

Creditors Bureau Associates (CBA) is a privately held, family-owned debt collection agency founded in 1990 and headquartered in Macon, Georgia. The company specializes in medical bad-debt recovery for healthcare providers — including hospitals, physician practices (radiology, cardiovascular), and emergency medical services — alongside commercial collections for banking, retail, utilities, telecommunications, credit unions, and construction businesses. Service lines include Early Out Self-Pay Collections, Insurance Follow Up, and Third Party Collections, with a wholly-owned subsidiary, Ocmulgee Billing Solutions, providing alternative-branded billing outreach for healthcare clients.

CBA's operating platform comprises a Client Web Portal for account management and real-time reporting, a Consumer Portal for online payments, a proprietary account scoring system for payment-likelihood prioritization, and a multi-vendor waterfall skip trace process for debtor location. The company maintains HIPAA, FDCPA, FCRA, TCPA, and CFPB compliance programs with call recording and daily collector testing, and holds BBB A+ accreditation.

The business operates on a contingency-fee model, earning a percentage of amounts recovered and billing clients biweekly or monthly. Sales is direct and relationship-led, targeting healthcare providers and commercial accounts primarily across the US Southeast. As of the most recent available data, CBA serves over 200 active clients with a staff of 11-50 employees.

Name

Creditors Bureau Associates

Legal name

Creditors Bureau Associates Inc.

Website

https://cbamacon.com

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

11–50 employees

Short description

Creditors Bureau Associates is a family-owned collection agency founded in 1990 in Macon, Georgia, providing medical bad-debt and commercial collections services to over 200 healthcare and business clients on a contingency-fee basis.

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Collection Agencies (56144), Collection Agencies (561440)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB)

akta.pro secondary industries

Third-Party Collection Agencies (Consumer) (FSAKAJAB), Utilities/Telecom & Other Non-Financial Receivables Collections (FSAKAJAN)

Keywords

• Debt collection services
• Medical billing services
• Accounts receivable recovery
• Healthcare collections
• Commercial collections

Headquarters

HQ city

Macon

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Contingency-Based Collection Fees: CBA operates on a contingency fee model for collections services, charging a low contingency fee based on amounts collected. Fees are billed biweekly/monthly. This aligns CBA's incentives with clients since the company only earns revenue when successful recovery occurs.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Creditors Bureau Associates is a debt collection agency that recovers outstanding receivables on behalf of healthcare providers (hospitals, physicians, specialty groups, EMS services) and commercial businesses (banking, retail, utilities, telecom, construction). It operates Early-Out self-pay and insurance follow-up programs, third-party bad-debt collections, and commercial collections under a contingency-fee model, supported by a client web portal, consumer payment portal, and skip-tracing technology.

Product overview

Creditors Bureau Associates offers a suite of collection services for medical and commercial debt recovery. The core offerings include Early Out Self-Pay Collections and Third Party Collections for healthcare providers (hospitals, physicians, EMS), alongside Commercial Collections for businesses. Supporting the service delivery is a technology platform comprising a Client Web Portal for account management and reporting, a Consumer Portal for patient payments, and a Multi-Vendor Waterfall Skip Trace Process for debtor location. Operations are supported by the subsidiary Ocmulgee Billing Solutions, which handles billing notices under an alternative brand name. All services maintain BBB accreditation and A+ rating.

Differentiator

Problem solved

Functional benefit

Products and services

• Early Out Self-Pay Collections

Quantifiable outcome

• Reduces bad debt write-offs from deductibles that can approach 18%
• +1 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature5 records

Partnerships

One partnership is on record.

• Ocmulgee Billing SolutionsminorChannel Partner/ Reseller/ DistributorOcmulgee Billing Solutions is CBA's subsidiary that can be used to place calls and send notices on behalf of healthcare clients. This allows flexibility in how collections communications are branded, giving clients the option to have outreach appear under Ocmulgee Billing Solutions rather than directly under CBA or the client organization.

Scale indicators3 records

Recent moves1 record

Expansion highlights5 records

Market position

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/cbamacon
• LinkedInlinkedin.com/company/creditors-bureau-associates

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Creditors Bureau Associates