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Debt Collection


The pain of collecting unpaid fees—from utilities, parking violations, delinquent court fines, or other payments owed to you—requires time and attention. But that process can be difficult when your staff needs to focus on other work, or you don’t have the right information on hand. GMA—through its debt collection partner Penn Credit—helps you not only collect unpaid debt but also improve your overall debt collection processes now—and in the future.


Unlike a typical vendor, Penn Credit’s focused experience on both debt collection and local government means they are politically sensitive in dealing with your citizens and businesses. With many decades of expertise, Penn Credit helps you:
  • Examine your current debt collection processes, looking for gaps and weaknesses.
  • Collect the right information about citizens and businesses, and making sure you collect that information upfront with each new customer.
  • Collect unpaid debt from utility services, taxes, parking fines, and other owed payments.
  • Implement more real-time processes connected with paying debt, such as turning someone’s utility service back on immediately after they pay their debt.
  • Improve your debt collection processes to maximize future revenue collection.
  • Increase overall payment compliance with all customers, including currently non-delinquent customers.
With our experience and partnership with Penn Credit, you benefit from some of the best debt collection processes in the industry. That includes:
  • Customized debt collection processes that fit the needs of your city.
  • Professional customer service representatives, trained to be politically sensitive with your citizens.
  • A variety of options for people to pay, including online payments.
  • Multiple ways that you can submit your debt collection information to Penn Credit. Do you have a pile of paper, or unorganized information in a database? No problem. We handle and make sense of your information in whatever way you submit it to us.
  • Easy-to-use reporting tools for tracking your city’s debt collection progress. You can access our software 24/7 to check the status of your debt collection information anytime, anywhere.
  • Compliance with all debt collection laws, including the Fair Debt Collection Practice Act (FDCPA) and the Taxpayer Bill of Rights (TBOR).


You receive some of the lowest possible debt collection rates in the industry—below 20%. Contact us for more details.

So, do you think you’re effectively collecting your debt? If not, call us today. You may call Darin Jenkins at (678) 686-6264, Eileen Thomas at (678) 686-6232 or James Brent at (678) 686-6349. If you are outside of the Atlanta metro area, you may call toll-free (888) 488-4462. You may also contact Rhett Donagher at Penn Credit at (800) 800-3328 x3003.

Participating Entities

Acworth Lula
Ailey Lyerly
Alma Maysville
Alpharetta Monroe
Americus Monticello
Athens-Clarke County Moultrie
Auburn Mountain Park
Austell Nahunta
Baldwin Nashville
Bloomingdale Nicholls
Buford Norcross
Butts County Palmetto
Cartersville Pelham
Catoosa County Pembroke
Chickamauga Pooler
Clarkston Port Wentworth
Clayton County Water Authority Poulan
Commerce Richmond Hill
Conyers Rome
Cornelia Roswell
Covington Snellville
Eatonton Sparta
Effingham County St. Marys
Effingham County BOC Statham
Flowery Branch Stillmore
Folkston Summerville
Forsyth Sumner
Gainesville Suwanee
Grantville Sylvania
Gray Temple
Greensboro Thunderbolt
Greenville Toccoa
Gwinnett County Tybee Island
Hampton Unadilla
Hartwell Villa Rica
Hawkinsville Waco
Hoschton Warm Springs
Jasper Washington
Lamar County Water Authority White
Lilburn Winder
Loganville Wrens

Debt Collection Best Practices 
Debt collection is an unpleasant but necessary duty for cities that provide utility services such as gas, water, or electricity. Just like any large subset of business customers, some people will not pay their bills on time, or at all. That means cities must proactively try to collect this debt—or lose critical revenue. But what is the best way to go about collecting that unpaid debt?

Debt Collection Service Webinar Debt Collection Service Webinar 
May 31, 2011
This webinar about GMA's Debt Collection Service reviews online tools for submitting placements and tracking collections.

CONTACT US ABOUT THE Debt Collection Service
You might try using debt collection vendors, but they may annoy your citizens or take too much of a cut of your payments—sometimes as high as 50%. With your city needing revenue, you need low rates and the right debt collection processes so that you don’t miss a cent that’s owed you.

We also act quickly. As soon as you begin working with us, we can start collecting your debt within 3-5 business days. That’s because with our decades of experience in both debt collection and local government, we understand what it takes to get the ball rolling—immediately.