Bay County’s rental market is fueled by its coastal charm and steady stream of seasonal visitors. But when tenants leave without paying what they owe, property managers and landlords are left dealing with the fallout. Advanced Collection Bureau is here to make sure you recover what’s rightfully yours.
If you’ve ever tried to get through traffic on Hathaway Bridge during peak season, you know how frustrating it feels to make no progress. Collecting unpaid rent on your own can be just as slow. That’s why landlords, apartment managers, and residential communities across Panama City, Panama City Beach, and Lynn Haven trust Advanced Collection Bureau.
We specialize in rental debt collection and apartment lease recovery, handling everything from credit reporting to skip tracing. Our approach ensures former tenants are reminded of their obligations when they try to sign another lease or apply for financing. With over 25 years in the business, ACB knows how to deliver results while keeping your reputation intact.
As a Florida-licensed debt collection agency, we understand the rental landscape here is unique. Between the heavy turnover from military families at Tyndall Air Force Base and seasonal renters drawn to Panama City Beach, property managers deal with more than the average share of uncollected balances.
It’s a little like trying to grab a good spot at St. Andrews State Park on a summer Saturday. If you don’t act fast, you’re left empty-handed. With ACB, you won’t have to stress over missed opportunities—we’ll handle the recovery process efficiently so your business keeps moving forward.
What sets ACB apart is our results-driven, contingency-based approach. You don’t pay us unless we successfully recover your money. Our collectors are trained to work with lease contracts and move-out statements, and we credit report accounts twice a month to maximize leverage.
One example is a Panama City Beach property manager who had several seasonal tenants leave unpaid balances after spring break rentals. By turning those accounts over to ACB, they saw a substantial increase in recoveries while freeing up staff time to focus on filling new leases.
Trying to chase down debt alone is like battling the Pier Park crowds on a holiday weekend—it eats up your time and energy. With ACB, you get a clear process that gets results without the stress.
Unpaid debts should not slow down your business.
We specialize in professional and compliant debt recovery, helping you maximize recoveries while maintaining strong customer relationships.
Our risk-free, results-driven approach ensures you only pay when we collect.
We're proud to serve over a thousand property management companies, landlords, and real estate owners. From small independent operators to large multi-property firms, we provide reliable, effective debt recovery.
For a quarter century, we've specialized in recovering residential rental debt. Our time-tested, ethical approach leverages deep industry expertise to get results while preserving tenant relationships.
We have successfully recovered over 85 million dollars in delinquent rent, fees and damage charges for our clients. Our advanced skip tracing and persistent efforts maximize the funds returned to your business.
Advanced Collection Bureau specializes in managing residential collections with a focus on maintaining positive relationships between property managers and tenants. Our experienced team understands the unique challenges of residential collections and employs proven strategies to recover debts efficiently.
Our approach includes personalized communication with debtors, flexible payment plans, and a thorough understanding of the legal requirements specific to residential collections. By partnering with us, you can expect increased recovery rates and reduced delinquencies, ensuring your property management operations run smoothly.
No one chooses to get sick, but they still need your services. We take a compassionate approach to medical collections, and our system works. We believe that friendly debt collectors do exist, and we have them on our team. Advanced Collection Bureau recognizes the sensitive nature of medical debt and strives to provide respectful and empathetic service to patients while ensuring healthcare providers receive the payments they are owed.
Our medical collections process involves clear communication, patient education on their financial responsibilities, and offering manageable payment solutions. We are compliant with all relevant healthcare regulations and ensure that the dignity and privacy of patients are preserved throughout the collections process.
Contractors and service providers alike can rejoice - we'll ensure what needs to be paid gets paid. Advanced Collection Bureau is dedicated to supporting contractors and service providers in recovering outstanding payments for their hard work. Our team understands the unique challenges faced by contractors, including project-based billing and delayed payments, and employs effective strategies to address these issues.
We offer a seamless process that includes thorough account reviews, consistent communication with clients, and legal support if necessary. Our goal is to minimize the financial strain on your business and ensure that you receive timely payments for the services you provide, allowing you to focus on growing your business and delivering quality work.
Extensive experience recovering debt from multi-unit rental properties. We understand the challenges of high tenant turnover.
Extensive experience recovering debt from multi-unit rental properties. We understand the challenges of high tenant turnover.
Extensive experience recovering debt from multi-unit rental properties. We understand the challenges of high tenant turnover.
Extensive experience recovering debt from multi-unit rental properties. We understand the challenges of high tenant turnover.
Adept at tracking down past-due tenants across houses, condos, and townhomes. Persistent efforts to recover your owed rent.
Familiar with the unique aspects of collecting from student renters. Well-versed in handling cosigner and guarantor situations.
Skilled at recovering debt from short-term rental properties. Experienced in navigating guest contracts and security deposits.
We believe that every client and every account is unique. That's why we take a customized approach to debt recovery, tailoring our strategies to fit the specific needs of each situation.
Collection agencies in Florida are regulated by the Florida Office of Financial Regulation – Division of Finance. Advanced Collection Bureau, Inc is registered with the State of Florida Department of Banking and Finance. Advanced Collection Bureau, Inc maintains and adheres to the highest professional standards. Our employees are trained and tested in knowledge of and adherence to applicable state and federal laws to protect your interests.
"Our company has used Advanced Collection Bureau for well over 10 years. They are very well versed in the collection industry and are a pleasure to work with.
I highly recommend this company and its services to any company looking for assistance with collecting past due debts.
Our representative, Dianna, is personable and attentive to her clients. She is very much appreciated for her efforts to get our debts collected."
"This letter is in reference to Advanced Collection Bureaus performance. Wells Boys and Girls Property Management have been using ACB for all of our collection needs. ACB has proved to be an excellent choice for all of our collection needs.
We have seen a noticeable increase in profits and professionalism. If you have any concerns or questions regarding the performance of ACB please feel free to contact us."
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"Matt at Advanced Collection Bureau assisted me with settling my debt with a poorly managed apartment complex.
After speaking to him for a few minutes he was able to send me the bill that the apartment complex never did."
"What a pleasant phone call I had with Jim! He was friendly, shared with me new laws regarding medical bills and my credit, as well as taking my bill down.
I paid it off today and on 2/1, it will disappear from my credit report. Woot! Thank you Mr. Richards!"
"Sam was very friendly, had a great sense of humor and actually made the phone call very pleasant.
Forgot I was even paying a collection bill and felt like I was talking to a long time friend. Got to pay off the debt and got an email verification. Hope to never speak to you again Sam!"
Trust our team for your debt resolution.
