Ethical & Professional

Debt Collections

Collections doesn't have to be stressful for the business nor shameful for the debtor.

Since 1983, GCFA has a proven track record of generating high recovery rates while working with great professionalism and compassion.

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GCFA has been in the debt collections industry since 1983. We have worked with over 850 clients in many fields. We bring a wealth of expertise and resources that we put to work for you.


Our staff remains properly trained and compliant with the ever changing laws of our industry. 

We pride ourselves on treating all debtors with great dignity and compassion . Many have feelings of embarrasment and shame due to financial difficulties. We want to eliminate this.


Our collectors work diligently to recover all monies owed without sacrificing integrity.

We don't make money unless you make money. Collections with GCFA are collected on a contingency fee basis, so unless we recover money for you and your business, there is no fee.


We use all available resources to secure the most money for our clients.


Our experience has taught us what works in this industry.

We stay up to date on the latest technology, tools, and techniques to best serve our clients. 

Calls & Letters

We utilize all legal means of communication using letters, emails, personal phone calls, and an autodialer. At all times we operate with great professionalism and respect.

Skip Tracing

Our partner hosts one of the largest databases and offers unmatched linking algorithms to locate even the hardest to reach individuals and businesses.

Credit Reporting

Our agency reports delinquent accounts to the credit bureau and this creates a lot of incentive for the debtor to fully resolve the debt. 


When accounts can't be resolved in a timely manner we offer the option of litigation to legally settle the debt. 

We recognize the value of of accurate and relevant reporting which is why we can offer virtually any report needed for our clients

Custom Reports
Client Access

Our state of the art collections software allows clients to access their data anytime they need.


We have partnered with over 850 clients in varying industries 

Put our experience to work for you

Public Utilities
Commercial & Retail


"Gulf Coast Financial Associates, Inc. has been our collection agent for the past fifteen years. We are pleased to report that all accounts are handled in a highly satisfactory manner.
The staff has always been most helpful and a pleasure to work with, and the collection rate is superior to other agencies we have dealt with in the past. I highly recommend Gulf Coast Financial Associates, Inc. as a collection agent."


600 Bel Air Blvd Suite 300

Mobile, AL 36606


P.O. Box 9910

Mobile, AL 36691


Toll Free: (844) GCFA INC (423-2462)

Local:      (251) 470-5905


Toll Free: (844) GCFA FAX (423-2329)

Local:      (251) 317-3174