Collection Bureau Associates has been a fixture in the Southeast since 1948. Built in Bainbridge, incorporated under family ownership in January 1969, and guided by the same principles from the very first day.
Collection Bureau Associates was established in Bainbridge, Georgia in 1948 — a time when a handshake and a reputation were the currency of business. In January 1969, the company was purchased by the Waddell family and incorporated as Credit Bureau of Bainbridge, Inc. — the beginning of the family ownership that continues today, now in its second generation. Seventy-eight years after its founding, those same values drive everything we do.
We are an accounts receivable management company serving clients across Georgia and the broader Southeast. Our core services span third-party collections, legal referral and advanced recovery, and collections consulting — all designed to help healthcare organizations and businesses recover what they're owed without sacrificing the relationships their reputations depend on.
Over the decades, CBA has grown by doing right by its clients. We don't win business with flashy promises. We earn it by showing up, being transparent, and delivering results that speak for themselves.
Today, CBA is a second-generation family-owned company guided by the same commitment to integrity that has defined it from the beginning — with modern tools, deep regulatory knowledge, and a team that genuinely cares about the outcome.
Established in Bainbridge, Georgia — recovering accounts for local businesses when a handshake was the currency of the day.
Purchased by the Waddell family and incorporated as Credit Bureau of Bainbridge, Inc. — the start of the family ownership that continues today.
Expanded into healthcare accounts receivable as medical billing complexity grew across the region.
Grew into extended business office services, becoming a trusted partner for physician groups and hospital systems.
Serving clients across the Southeast with third-party collections, advanced recovery, and consulting — still headquartered in Bainbridge, GA.
We're not a faceless national agency. When you work with CBA, you know who you're working with — and you can pick up the phone and reach them.
With over 33 years in accounts receivable management, Chad has built CBA into one of the most respected collection agencies in the Southeast. His hands-on approach, deep industry knowledge, and straight-talking style are the foundation every client relationship is built on.
Cheryl is the backbone of CBA. A co-owner and partner, she brings decades of experience, an unmatched ability to build client trust, and a genuine care for every account she touches. Clients don't just respect Cheryl — they ask for her by name. Her leadership in sales and client relations has been central to CBA's growth and reputation across the region.
Joe joined CBA bringing fresh energy and a client-first mindset to day-to-day operations. Working closely alongside Cheryl, he has quickly developed a strong foundation in the business — learning the right way from the people who built it.
We operate within the letter and spirit of the law — FDCPA, HIPAA, and all applicable state regulations. No shortcuts, ever.
Your calls get returned. Your questions get answered. We don't hide behind ticketing systems — you know who to call.
You get clear reporting, honest numbers, and straightforward communication about what we're doing and why.
We've kept clients for decades. That only happens when you treat people right — creditors and consumers alike.
CBA was born in Bainbridge and has never left. For 78 years, we've been part of this community — employing local people and doing business the way Southwest Georgia expects.
Being local isn't just a talking point for us. It means our clients can walk in the front door. It means we understand the regional healthcare and business landscape in ways a national agency never could. And it means our reputation is built and maintained right here — where it matters most.
When you hire CBA, you're not a number in a national portfolio. You're a neighbor.
“This company has done business the same way since 1948 — honestly, accountably, and with the long view in mind. My father built his ownership on those principles in 1969, and we run it the same way today. That's not a marketing line. It's just how we were built.”— Chad Waddell, CEO, Collection Bureau Associates
Whether you need collections, advanced recovery, or expert consulting — we're straightforward people who give you straight answers.
Send Us a Message (229) 246-5533