9 Best Collection Agencies in Alabama (2025)

Last Updated: October 26, 2025

Our Recommended Best Alabama Collection Agencies

Our goal is to help businesses in Alabama find trusted collection agencies. We looked at more than 12 agencies across the state. Each one was scored on over 8 factors such as reputation, success rate, compliance, and customer reviews. After comparing them, we picked the best collection agencies in Alabama that give real results and follow ethical standards.

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List of Collection Agencies in Alabama For B2B, Small Businesses and Others

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Debt Collectors International

No recovery, no fee – you only pay if successful
30+ years experience with 500+ attorneys worldwide
Fast payments, 24/7 online portal access, and industry-specific collectors

Our’s Rating: 9.8/10

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Debt Collectors International (DCI) has been helping businesses recover past-due accounts for more than 30 years. Based in the United States, they focus on commercial debt recovery and serve industries such as construction, logistics, health care, staffing, and retail. You can use their service without paying upfront because they operate on a no-recovery-no-fee basis. Their collectors handle disputes, skip tracing, accounts receivable management, and judgment enforcement. You also get access to a secure online portal where you can track progress at any time. We like that DCI has a network of attorneys to take cases further when needed. From what we see, DCI’s biggest strength is their structured three-phase collection process, which begins with daily phone calls and letters, and can move to attorney involvement if payment is not made. We like that you remain in control during each step and can choose whether to proceed with legal action. Our view is that their mix of skilled agents, legal partners, and strong account tools makes them a reliable choice for recovering overdue payments. We also think their focus on fast remittances is important because it helps you use your recovered money sooner.

Pros:

Over 30 years of debt collection experience
No recovery no fee pricing available
Covers many industries including construction, health care, and staffing
Network of 500+ attorneys for legal support
24/7 online client portal and reporting
Offers skip tracing and judgment enforcement

Cons:

Rates may be high for very small debts (up to 45%)
Focuses on B2B and may not be ideal for personal collections
Mixed customer experiences depending on assigned agent

Google: 4.2 / 5 (350)
Facebook: 1.0 / 5 (7)
BBB: 3.8 / 5 (88)

Licenses & Accredition: Licensed, Bonded and Insured

Website: https://www.debtcollectorsinternational.com/
Phone: (407) 374-0000

Empire Collection Agency

No Recovery, No Fee service with risk-free collections.
Nationwide and international debt recovery coverage.
82% success rate on B2B and small business debts.

Our’s Rating: 9.7/10

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Empire Collection Agency is based in New York and offers full debt recovery nationwide. They focus on small business, medical, utility, membership, judgment, and international collections. They use a “No Recovery, No Fee” model so you only pay if they succeed. You can submit your accounts online and track progress easily. Empire has an 82% success rate on B2B and small business accounts. They also work with healthcare providers, utility companies, and service businesses. Their process includes pre-litigation, legal collection, and international debt enforcement. If you need cash flow protection, they provide same-day action in some cases. We like that Empire combines human collectors with AI technology and skip tracing tools. They also assign a dedicated agent so you always know who to contact. We believe their large attorney network gives them strong national reach. We also value their flexible three-phase process that can start with letters and calls and move to legal action when needed.

Pros:

No Recovery, No Fee policy
BBB accredited with nationwide attorney network
82% success rate on small business debts
Flexible plans and multilingual collectors
Same-day recovery possible in some cases

Cons:

Upfront costs if you choose litigation
Process may take months for older debts
Limited details about small account support

Google: 4.4 / 5 (169)
Yelp: 2.0 / 5 (32)
BBB: 2.0 / 5 (4)

Licenses & Accredition: BBB Accredited, NMLS License: #1967518, FDCPA regulations
Rating: A

Website: https://empirecollectionagency.com/
Phone: 877-659-5986

Miller, Ross & Goldman

Years in Business: 19

Our’s Rating: 9.2/10

Over 30 years of experience with a 95%+ debt collection success rate
No Collection, No Fee policy — contingency-based service means clients only pay when results are achieved
Nationwide & international coverage, including legal support and industry-specific strategies

Google: 5.0 / 5 (64)
Yelp: 5.0 / 5 (1)
BBB: 3.67 / 5 (3)

Licenses & Accredition: Affiliate of Altus Receivables Management; SOC 1 Type II / SOC 2 Type II & PCI DSS 3rd Party Certified; Reports to Experian & D&B; BBB Accredited
BBB Rating: A+

Website: https://www.mrgpartners.com/
Phone: +1 512 366 9110

Mesa Revenue Partners

Years in Business: 48

Our’s Rating: 9.0/10

No fee unless money is recovered
60+ years of combined debt collection experience
Licensed in U.S. and abroad with attorney-monitored collections

Google: 5.0 / 5 (53)
Facebook: 5.0 / 5 (2)
Yelp: 1.0 / 5 (1)
BBB: 1.0 / 5 (1)

Licenses & Accredition: Licensed in the United States & Abroad; Certified by the Commercial Law League of America (CLLA); Endorsed by the International Association of Commercial Collectors (IACC); Type II Certification with AICPA SSAE 16
BBB Rating: A+

Website: https://mrpcollects.com/
Phone: +1 480 968 3181

First Federal Credit Control

Years in Business: 55

Our’s Rating: 7.5/10

No upfront fees, you only pay when we collect.
Proven track record with over 50 years of success.
Non-confrontational approach that protects client relationships.

Google: 3.2 / 5 (37)
BBB: 3.0 / 5 (2)

Licenses & Accredition: …
BBB Rating: …

Website: https://www.onestopcollectionsagency.com/
Phone: +1 866-326-5532

Gulf Coast Financial Associates, Inc.

They only accept new clients in Mobile and Baldwin County.
You only pay if they collect money for your business.
They follow FDCPA, HIPAA, TCPA, and FCRA compliance rules.

Our’s Rating: 6.5/10

Gulf Coast Financial Associates has been in business since 1983 and is based in Mobile, Alabama. They focus on helping medical providers, public utilities, schools, and retail businesses collect unpaid accounts. The agency only accepts new clients in Mobile or Baldwin County, so your business must be located in that area. They offer debt recovery on a contingency fee basis, which means you do not pay unless they collect money for you. You can also use their online portal to make or track payments at any time. The company is known for its respectful and compassionate approach toward debtors. They believe that dignity and clear communication lead to better results for your accounts. Their services include phone calls, emails, mailed letters, and custom reporting so you can see updates in a format that fits your needs. We like that their collectors are trained to follow laws such as FDCPA and HIPAA and still deliver strong recovery results. We also like that call recordings are available for quality control. Our view is that their limited coverage may not suit larger businesses, but if you are local, you can expect focused service. We like that they provide multiple payment options including phone, mail, online, and in person. Overall, our opinion is that this agency is a good choice for Mobile and Baldwin County businesses that want ethical and professional collections.

Pros:

Contingency fee structure, you pay only when money is collected
Secure online payment portal for easy access
Strong compliance with FDCPA, HIPAA, TCPA, and FCRA
Call recording ensures professionalism and respect
Custom reporting available for your account needs

Cons:

Only accepts new clients in Mobile and Baldwin County
Does not serve national or multi-state businesses
Limited office hours, closed evenings and weekends

Google: 5.0 / 5 (1)

Licenses & Accredition: FDCPA, HIPAA, TCPA, FCRA compliance; staff highly trained and compliant
Rating: A+

Website: http://www.gcfainc.com/
Phone: +1 251 470 5905

I. C. System

Years in Business: 86

Our’s Rating: 6.0/10

Over 85 years of proven, family-owned debt collection expertise
Nationwide licensure with strong compliance and top BBB accreditation
Ethical, consumer-friendly approach ensures revenue recovery without harming relationships

Google: 2.4 / 5 (208)
Facebook: 1.7 / 5 (18)
Yelp: 1.7 / 5 (11)
BBB: 1.0 / 5 (45)

Licenses & Accredition: Licensed nationwide, BBB Accredited, Winner of 2021 BBB Torch Award for Ethics, Finalist for BBB Torch Awards (2013, 2014, 2015, 2019)
BBB Rating: A

Website: https://www.icsystem.com/
Phone: +1 800-443-4123

Aargon Agency Inc.

Years in Business: 28

Our’s Rating: 5.5/10

Nationwide debt collection agency with bilingual support and 24/7 online account access.
FDCPA, FCRA & TCPA compliant with in-house attorney legal representation nationwide.
Advanced reporting technology with real-time account updates, tailored reports, and secure payments.

Google: 1.9 / 5 (21)
BBB: 1.0 / 5 (8)

Licenses & Accredition: FDCPA, FCRA & TCPA Compliant; In-house attorney representation; Legal representation through State & Federal Courts, BBB Accredited
BBB Rating: A+

Website: https://www.aargon.com/
Phone: +1 808 447 3232

Chambless Math & Carr

Years in Business: 32

Our’s Rating: 5.3/10

Experienced Alabama collections law firm serving clients since 1993
Specializes in debt collection, bankruptcy, and real estate foreclosures
Free consultation available at Montgomery office or by phone

Google: 1.7 /5 (41)

Licenses & Accredition: Martindale-Hubbell Peer Review Ratings; Profile on Lawyers.com and Martindale.com
BBB Rating: A+

Website: https://www.chamblessmath.com/
Phone: +1 334 272 2230

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